I Finally Snapped | Financial Audit

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Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

  Welcome to the 50th Hunger Games.

• 0:01Speaker 01

  Witness the beginning of the revolution.

• 0:04Speaker 02

  Hey Mitch, you've been trying to take down these games from Star.

• 0:07Speaker 01

  Filmed for IMAX.

• 0:08Speaker 02

  Make them remember you.

• 0:11Speaker 01

  The Hunger Games: Sunrise on the Reaping, November 20th, rated PG-13.

• 0:15Speaker 03

  LinkedIn is pretty amazing at helping you grow your small business. We cannot stop your new clients from emailing you at 3 a.m.

• 0:24Speaker 03

  We can help you sell, market, and hire in one place. We cannot help you be in three places at once. And while we can't help you organize your calendar, LinkedIn can help you land more clients so you have a calendar to organize. Grow your small business on LinkedIn. Learn more at LinkedIn.com/smallbusiness.

• 0:45Speaker 04

  I think I'm just an average person. I have-

• 0:46Caleb Hammer?

  No, you're an extremist!

• 0:48Speaker 04

  Give me the market rate for income in the States. Don't sit here and [bleep] cherry pick your data.

• 0:54Caleb Hammer?

  You're not even close to aligned with the average person.

• 0:57Speaker 04

  No, you're not [bleep] listening to me.

• 0:59Caleb Hammer?

  No, can I ask you one question?

• 1:00Speaker 04

  You refuse to just look it up!

• 1:02Caleb Hammer?

  I did, and I read the answer.

• 1:04Speaker 04

  I'll do it right now. Okay, see, you know what? I can admit when I'm wrong, because-

• 1:11Caleb Hammer?

  No, no! You [bleep]. Why do I talk to people like you?

• 1:15Speaker 04

  The average-

• 1:16Caleb Hammer?

  I just launched my brand new cookbook, Just Pack a Sandwich. It's full of budget-friendly recipes I love. It was so good! Plus a few inspired by your favorite Financial Audit episodes. McDonald's, McDonald's! Right now, the only way to get a physical copy is with a full year of Dollar Wise. Go to DollarWise.com or click the link below to get yours.

• 1:37Caleb Hammer?

  I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to CalebHammer.com/apply or click that link in the description below.

• 1:58Speaker 04

  Hi, I'm John. I'm 24 years old. I live in Austin, Texas, and this is Financial Audit.

• 2:03Caleb Hammer?

  It's rare to get a local in Austin these days. I don't know why, but thanks for coming into the studio, man. What do you do for a living here?

• 2:09Speaker 04

  I'm a, what is it, an IT manager for the city of Austin for Ernst & Young.

• 2:14Caleb Hammer?

  Sure, why not? What do you make?

• 2:16Speaker 04

  Uh, $28 an hour.

• 2:18Caleb Hammer?

  Okay, IT manager, I would like to see a little more than that. $20 is not bad necessarily, but it's not like the cheapest city in the world. Actually, rent has gone down substantially because we embrace letting developers do it instead of performative policies.

• 2:31Speaker 04

  For sure.

• 2:32Caleb Hammer?

  But, okay, so what, how many hours a week do you work?

• 2:35Speaker 04

  40. Uh, it's a contract-to-hire position, so I'll be, I'll be, uh, full-time-

• 2:40Caleb Hammer?

  Is the wage gonna change at hire?

• 2:41Speaker 04

  Yes, so I, uh, 32 I think it is, but we have wiggle room to negotiate in like June of next year.

• 2:48Caleb Hammer?

  Okay, okay. Uh, so what is your take-home pay now? Wait, when's the hire?

• 2:53Speaker 04

  Uh, June 27th of next year is-

• 2:55Caleb Hammer?

  Oh, of next year, okay. So what's your take-home pay now?

• 2:57Speaker 04

  Uh, about $950 a week.

• 2:59Caleb Hammer?

  Okay, $950 a week, not so bad. He wants to know why you're so hostile to all your guests. Have you seen the [bleep] show?

• 3:08Speaker 04

  I don't know, man.

• 3:08Caleb Hammer?

  Why, they just typed me that question. I mean, I guess I can answer that question for you. Um, that's Financial Audit.

• 3:15Speaker 04

  I don't know, I think a big issue that I've had, uh-

• 3:17Caleb Hammer?

  Oh, you have an issue with the show? Well, thanks for coming on.

• 3:19Speaker 04

  No, no, for sure.

• 3:20Caleb Hammer?

  Oh, sure, why don't you vent to me real quick?

• 3:22Speaker 04

  No, of course, uh, yeah.

• 3:24Caleb Hammer?

  Why don't you tell me? Well, what's going on?

• 3:26Speaker 04

  Uh, yeah, no, I just, you're, you're, you can be pretty, like, disrespectful, you know?

• 3:31Caleb Hammer?

  Disrespectful. It would be disrespectful if people came out on the show, they didn't know what it was, and they didn't consent to it, and they weren't fans of the show, and we didn't put them through the same onboarding process you just went through.

• 3:39Speaker 04

  That's fine.

• 3:40Caleb Hammer?

  And I didn't ask them what their no-no. Remember if we rewind about, uh, what is it? A minute 41 into filming this episode? If we rewind to four minutes ago and I said, "Hey, what do you not want to talk about?" So I can avoid it. You remember that part? It would be disrespectful if I avoided that part. I would say we're actually the most respectful type of this show ever. In fact, if you talk to anyone that's worked in casting, you'll know we have more onboarding than any other show that exists.

• 4:02Speaker 04

  You think it's fine to just take the entire [bleep] episode and just misgender somebody because you think it's funny? You think that's fine?

• 4:08Caleb Hammer?

  I don't think I've ever done that intentionally.

• 4:10Speaker 04

  Oh, right, it's not intentional. Yeah, for sure.

• 4:12Caleb Hammer?

  No, I, I really don't. I mean, it is hard in the heat of the moment, and I've usually apologized for it. I know we just recently had a blue-haired on, and, um, that person, Doomsday was the fake name we gave that person.

• 4:28Speaker 04

  Right.

• 4:28Caleb Hammer?

  I did, because that person looks like a classic woman. What? I'm being, what this being, what?

• 4:36Speaker 04

  No, continue, finish your thought. She looks like a classic woman. You're just gonna sit here and assume her gender?

• 4:40Caleb Hammer?

  You just misgendered-

• 4:40Speaker 04

  Oh, you're right.

• 4:41Caleb Hammer?

  You just did it twice. How that works?

• 4:43Speaker 04

  Yeah, yeah, yeah.

• 4:43Caleb Hammer?

  Yeah, so maybe stop being a [bleep] obnoxious piece of shit and just know that life is complicated, and sometimes it's just easier to call people how they look. Can I call you a man?

• 4:53Speaker 04

  This right here, yeah, yeah, I'm a man, yeah.

• 4:55Caleb Hammer?

  Okay, then I'm not gonna have, it's not gonna be complicated for me.

• 4:59Speaker 04

  Yeah, yeah, no, no, no, I just, uh-

• 5:00Caleb Hammer?

  I've never done that intentionally. I don't care if anyone's trans or whatever. I mean, I don't think we should chop balls off of kids, but I don't think-

• 5:07Speaker 04

  Oh my god.

• 5:08Caleb Hammer?

  Is that controversial? I don't think that's controversial.

• 5:10Speaker 04

  No, I think, I think it's-

• 5:12Caleb Hammer?

  To permanently affect children, but once someone's an adult, I don't really care what they do with their body.

• 5:15Speaker 04

  I don't understand why people think that they have any right to talk about or have, formulate their own opinion on, on, on how somebody raises their child.

• 5:26Caleb Hammer?

  Well, that's how we all do it. You can't abuse your child. Like, that isn't an abuse we all have.

• 5:30Speaker 04

  Okay, okay, so you, do you think, like, uh, let's say circumcision is okay? Do you think that's all right?

• 5:35Caleb Hammer?

  I think we shouldn't circumcise.

• 5:37Speaker 04

  Well, there, we can agree on that. Right here, me too, but, um-

• 5:41Caleb Hammer?

  Like, it feels so much better. I mean, higher chance of dick cheese, but you just get in there and clean yourself. Don't you boys back there? I see those Mexicans back there. They are, uh, and stinky.

• 5:53Speaker 04

  I, I, uh, I think this is a talking point that's very often like-

• 5:58Caleb Hammer?

  What do you mean? We all have opinions on how people should, we have opinions on everything. There's, if you're homeschooling your kid and you're teaching them that, like the lady I've had on the show, that the earth is flat and the angels control the weather through doors in the ceiling, I have an opinion on that kid being raised that way versus being raised about the planet being the planet and normal weather patterns. Yes, I have an opinion on that. I have an opinion on messing with a kid's hormones as they're going through puberty. But again, once someone is an adult and they've gone through that stage, I have no opinion. I really don't care if people transition.

• 6:35Speaker 04

  Kids go through hormonal therapy to block hormones, whether or not they're, they're trans, like, all the time.

• 6:40Caleb Hammer?

  So you're saying if they have, like, issues, yes?

• 6:42Speaker 04

  And you don't think that gender dysphoria is an issue? You think that's just like-

• 6:45Caleb Hammer?

  It certainly is, but do we cater to every kid's thoughts in every way whatsoever and immediately allow them to do completely life-changing alteration surgeries?

• 6:54Speaker 04

  What's the, what's the harm in it? If they're, if they know-

• 6:56Caleb Hammer?

  Well, they're changing their lives.

• 6:57Speaker 04

  If they know for a fact that this is the way that they feel and that they would like to undergo hormonal therapy or physical changes-

• 7:04Caleb Hammer?

  Trans Audit, by the way, but for sure, I'll go down the ramp.

• 7:06Speaker 01

  Round one. Fight!

• 7:10Caleb Hammer?

  Did I? No.

• 7:11Speaker 04

  Cutting dicks off of people, like, I didn't bring that up.

• 7:14Caleb Hammer?

  I guess I did, as an example, or it's like, I don't think that's an extreme position, but- No, no, no, so we have had massive examples throughout COVID especially, where there were more people that thought they were trans, and then a few years later, they're like, "Oh, wait, I'm not. I just went through, you know, a situation."

• 7:30Speaker 04

  That's not what the statistics say. They didn't say, "I'm not."

• 7:32Caleb Hammer?

  Anecdotal examples, for sure, but we have-

• 7:34Speaker 04

  No, no, no, no, the numbers say they regret having transitioned. They did not say, "I am no longer trans," okay?

• 7:40Caleb Hammer?

  Okay, so they regret transitions now if they do-

• 7:42Speaker 04

  Do you know why they regret their transitions?

• 7:44Caleb Hammer?

  Why?

• 7:44Speaker 04

  It's not because they decided they weren't trans anymore.

• 7:46Caleb Hammer?

  Okay.

• 7:46Speaker 04

  It's because that when you start transitioning, whether that is top or bottom surgery, or hormonal therapy, or anything like that, you are alienated in every single asset of your life.

• 7:56Caleb Hammer?

  Is that specifically what they said? I thought they were saying because they don't like having life-altering surgery when they're a kid. So, for example, I mean, you would agree that a kid can't consent to, uh, they shouldn't have a job, they shouldn't drive, they shouldn't sign up for the military, they shouldn't vote, they shouldn't be able to do all these things. Why are we okay with fully chopping off tits and dicks and balls?

• 8:17Speaker 04

  Because it's not the-

• 8:18Caleb Hammer?

  Why is that the one thing that all of a sudden kids actually can decide for themselves when we don't allow them to do other things?

• 8:24Speaker 04

  Because there's not a single child-

• 8:25Caleb Hammer?

  We don't let them have tattoos?

• 8:26Speaker 04

  Who's making this decision on their own?

• 8:28Caleb Hammer?

  Well, their parents, but we have a lot of [bleep] parents.

• 8:31Speaker 04

  The consent of their parents.

• 8:32Caleb Hammer?

  We have a lot of [bleep] parents too, though.

• 8:34Speaker 04

  Do you know how little of an issue this is on a statistical level? Do you understand how, like, this isn't like 30 kids in every single school in the United States?

• 8:43Caleb Hammer?

  I know.

• 8:43Speaker 04

  Right? This, this goes right along the lines of like, of transitioning people in sports and things like that. It's not nearly as big of an issue as people like to make it out to be.

• 8:52Caleb Hammer?

  It's not a huge issue, but I don't think it's an extreme position, like I said, to say that we shouldn't be chopping off the dicks of kids.

• 9:00Speaker 04

  I don't think we should. I think that is a perfectly fine medical decision to be made alongside a child.

• 9:05Caleb Hammer?

  But we know.

• 9:06Speaker 04

  Hates themselves. Okay, okay.

• 9:10Caleb Hammer?

  And we're okay with that? Again, I don't think.

• 9:11Speaker 04

  Yes, I'm okay with with parents being wrong. I think that's fine, yeah.

• 9:13Caleb Hammer?

  Really? So we're okay with a 14 year old, if the parent consents, the 13, 12, 11 year old should be able to sign up for the military, should be able to work, should be able to go live on their own, should be able to.

• 9:24Speaker 04

  I didn't say that. I didn't say that.

• 9:25Caleb Hammer?

  But only this one thing we're okay with parents dictating. Nothing else.

• 9:29Speaker 04

  I got my first job when I was 13. Uh, you can get your learner's permit in the state of Michigan where we're from when you're 13 and change.

• 9:35Caleb Hammer?

  They're like 15, right?

• 9:36Speaker 04

  No, no, no.

• 9:36Caleb Hammer?

  14 maybe?

• 9:37Speaker 04

  13 and a half. You can look it up.

• 9:39Caleb Hammer?

  Permit is the, they're usually being coached in with someone, like your parents and whatnot.

• 9:44Speaker 04

  I've been driving since I was 13 and 14. I got my first job as a corn detasseler, working in a goddamn field in, uh, Battle Creek when I was 13, right? So these are, these are, it's not, I mean, obviously there are minimums to this stuff across the board, but yes, kids.

• 10:01Caleb Hammer?

  But a kid can't consent to go have sex if the parents are okay with it. I would say the one thing we actually.

• 10:05Speaker 04

  I lost my opportunity when I was 13, like.

• 10:07Caleb Hammer?

  I would, yeah, but not at the permission of your parents. The thing is, we do, we do actually allow parents to do one thing.

• 10:13Speaker 04

  Kids can drink with parental consent at that age, in a lot of states.

• 10:18Caleb Hammer?

  Okay, I'm not sure the stats on that. That might be a thing. I, but I don't necessarily support that.

• 10:24Speaker 04

  That's fine.

• 10:25Caleb Hammer?

  So I don't think.

• 10:26Speaker 04

  But my point is, it's not just this one issue. I'm, I'm not saying that, okay, kids can't do this, that and the other thing, but I think it's all right for kids at 13 to make this consent so they can, they can go through hormonal changes and things like that.

• 10:35Caleb Hammer?

  For kids, we allow them to marry.

• 10:39Speaker 04

  Yeah.

• 10:40Caleb Hammer?

  And that's not a good thing.

• 10:41Speaker 04

  It's not.

• 10:42Caleb Hammer?

  Neither is this.

• 10:43Speaker 04

  I don't think that's a decision for you to make. Do you have any kids?

• 10:45Caleb Hammer?

  No, we shouldn't allow parents.

• 10:46Speaker 04

  Do you have any kids?

• 10:47Caleb Hammer?

  No, do you?

• 10:48Speaker 04

  I don't.

• 10:48Caleb Hammer?

  Okay, so what are we doing? What was that example? And I don't think that I should be able to do anything I want with my kids. I think it's okay to have some rules and laws.

• 10:55Speaker 04

  As somebody, as somebody who has no children and doesn't know what it's like to be gender dysphoric, for them to then make the sweeping, uh, generalization that the opinions and feelings of these people who don't feel okay in their bodies to make these types of decisions, they have to go through years of maturing, going through puberty, feeling not like themselves before they can decide to make these decisions. Have you, did you have any emotional regulation issues when you were a teenager? Was being 13 and 14?

• 11:26Caleb Hammer?

  Everyone does.

• 11:26Speaker 04

  Exactly.

• 11:27Caleb Hammer?

  Of course.

• 11:27Speaker 04

  So like if piled on top of all the shit you're going through in puberty, uh, your body and mind and, and everything changing, the way you view the world, all of that changing.

• 11:35Caleb Hammer?

  So we allow them to make life altering surgery when they're going through hard times and complications?

• 11:40Speaker 04

  On top of that, they have to deal with gender dysphoria, not feeling like themselves in their own body.

• 11:46Caleb Hammer?

  A feeling.

• 11:47Speaker 04

  And you don't think that that has any increase on, on like your probability of self or something or anything like that?

• 11:53Caleb Hammer?

  It probably does. We should get them extreme help.

• 11:55Speaker 04

  So instead of, instead of giving them what they're asking for with the, with the enthusiastic consent of their parents.

• 12:01Caleb Hammer?

  Everything they ask for when they throw a fit, when they're having hard times?

• 12:03Speaker 04

  With the enthusiastic in consent of their parents.

• 12:07Caleb Hammer?

  I don't care what their parents think. We have parents everywhere. Parents don't teach kids financial education.

• 12:11Speaker 04

  Every, every single one of the parents of a transgender kid, uh, they're f***ing retards and they don't know what they're doing. That's what he's saying here.

• 12:17Caleb Hammer?

  No, I said, no.

• 12:18Speaker 04

  Like we, we shouldn't be providing for these children.

• 12:21Caleb Hammer?

  Okay, you can just yell over me or you can hear my opinion.

• 12:24Speaker 04

  Oh, that's rich coming from this guy.

• 12:26Caleb Hammer?

  Well, it's, it's my show, not John's show.

• 12:28Speaker 04

  Oh, yeah, yeah, yeah.

• 12:29Caleb Hammer?

  That, it is the name of the channel. You can look below at Caleb Hammer. So that's where I get to control my show, yeah. So, I mean, parents give bad advice when it comes to college all the time, when it comes to personal finances all the time, but it comes to a lot of life choices all the time. No, parents are f***ing. We shouldn't say just this one issue we're okay with it because the parents are okay with it.

• 12:47Speaker 04

  Didn't say just this one issue.

• 12:47Caleb Hammer?

  You just, you just said they're going through a lot of hard times, they're stacking this on top of it. Does that mean all of a sudden we should cater to it? That makes no sense.

• 12:57Speaker 04

  Cater to what?

• 12:58Caleb Hammer?

  To them going through hard times, emotional things, all these extra things.

• 13:01Speaker 04

  You think giving a child gender affirming care doesn't, doesn't at all improve? Doesn't improve, I'm not saying that surgery.

• 13:10Caleb Hammer?

  I'm sure there's examples, absolutely. I'm sure there's absolutely examples, but I don't think we should be letting kids do it. Again, I have no problem with trans people at all. If people as consenting adults want to do life altering surgery, yes, but if someone is going through the complications of puberty, when we're all f***ed up and we're all confused and there's a lot of issues, I don't think that's the time to make a complete life changing surgery, regardless of what a parent thinks.

• 13:36Speaker 04

  So for those of you who don't know.

• 13:38Caleb Hammer?

  Wild opinions.

• 13:39Speaker 04

  For those of you who don't understand, uh, top and bottom gender affirming surgery is a process. It's very similar to going through the surgeries that we used to do for your stomach or whatever, for obese people who severely need to lose weight, right? You have to start the process at square one before you can work your way to cutting yourself open and putting a net around your stomach so you're eating less and you're losing weight. Top and bottom surgery is a, is, is very much the same. Nobody is grabbing a 13 year old and saying, you're tr- I don't know, I don't know about, I don't know about nobody. I'm sure, I'm sure just like how there are people who want to have gay kids.

• 14:12Caleb Hammer?

  Who are you talking to? No one advocated for this.

• 14:14Speaker 04

  Here we go.

• 14:15Caleb Hammer?

  What are you, here we go, what? I didn't advocate for that.

• 14:18Speaker 04

  Nobody starts their transition by cutting their dick or their tits off. Nope, that's not how this works.

• 14:22Caleb Hammer?

  No one's saying that.

• 14:23Speaker 04

  So gender affirming care starts with hormones.

• 14:26Caleb Hammer?

  Who are you talking to? No one said this. Are you on here to like advocate for something? Like this isn't what, in financial, it is.

• 14:31Speaker 01

  The faster the healing, the faster the deliverance, the faster.

• 14:36Caleb Hammer?

  But I mean, I'll have a conversation with anyone about anything if you'd like.

• 14:39Speaker 04

  He brought it up. He brought it up.

• 14:40Caleb Hammer?

  That's an example of it's not an extreme position to think a kid shouldn't have life altering surgery. That's not an extreme example.

• 14:46Speaker 04

  I think it is an extreme position for you to think that you have the right to make that decision for somebody's kids regardless.

• 14:52Caleb Hammer?

  We shouldn't allow parents to do whatever they want, always.

• 14:56Speaker 04

  No, I, I, we can agree on that. I think.

• 14:57Caleb Hammer?

  Teaching them whatever they want, allowing them to do whatever they want? No. This is just an issue you have an opinion about, so you're okay with parents doing it.

• 15:05Speaker 04

  So you, you think, you don't think it's, it's government overreach to, to start mandating, I mean, I mean, where do you, where do you draw, where do you, where do you draw the line there, right? Like, like you, you can stand on religious grounds and not treat your kid for, for any number of illnesses in the United States. That is a freedom that, that people have. I'm not saying I support that. I don't think that you should let your kids die because you don't believe in doctors.

• 15:29Caleb Hammer?

  I don't like it.

• 15:29Speaker 04

  But, but I also don't think that, that it's up to the government to classify gender affirming care, maybe not necessarily surgery, but gender affirming care across the board as child abuse. I think that's ridiculous.

• 15:42Caleb Hammer?

  I, I don't know. I just don't think parents should be able to do whatever they want. And I think you kind of agree with it. You just really care about this issue, so this is the one you're okay with. I don't know. It's not an extreme position.

• 15:52Speaker 04

  Sure.

• 15:52Caleb Hammer?

  I'm sorry, buddy. It, it's, it's really not. Again, trans people, no issue. We have them on the show all the time. We love them. Some of our favorite guests.

• 15:58Speaker 04

  I have plenty of trans friends.

• 15:59Caleb Hammer?

  No, I'm just saying clearly we don't have an issue because we respect their pronouns. I've helped them budget in transitions on the show. I don't care. Uh, like I really don't. Vixen's one of our favorite guests and we're in communication with her constantly.

• 16:10Speaker 04

  That's fine. He is the one who brought it up. That's all I'm saying.

• 16:14Caleb Hammer?

  Yeah, but you're the one that fought about it for 10 minutes. I didn't really care. I was just saying it's not an extreme example.

• 16:22Speaker 04

  And I disagree. That's like the whole point of the show, right?

• 16:26Caleb Hammer?

  What?

• 16:27Speaker 04

  To have these discussions.

• 16:28Caleb Hammer?

  Uh, this discussion? No, we've never had this discussion before.

• 16:30Speaker 04

  You want to bring, you want to bring something up and then get my response to it and then just ignore it?

• 16:35Caleb Hammer?

  I'm okay with you talking about it if you want to. I'm not freaking, you see me?

• 16:39Speaker 04

  You're the one who brought it up.

• 16:40Caleb Hammer?

  Okay, yeah. I mean, it wasn't as an, like an aggressive conversational topic, but no, I was more bringing up like they, they typed me a note at the beginning that you just thought I was being rude to people. I haven't even been rude to you and I think, I mean, you have a pretty crazy opinion. Yeah. So no, I'm sorry, controversial take here. I don't think parents should be able to do whatever they want to their kids, no matter what. No questions asked.

• 16:59Speaker 04

  That's not what I said.

• 17:00Caleb Hammer?

  Okay, wild. Um, again, no issue with trans, just kids going through puberty, hard times. If I got to do anything I wanted that I felt at puberty, I would be regretting it now.

• 17:13Speaker 04

  Mm-hmm.

• 17:13Caleb Hammer?

  Life is very situational. Most of the imprinting and things that happen in life that determine our life are things that we experience. And my first exposure to was like gay because of my best friend's sister. So I experienced that. So I thought I was that way. I grew, lived life and realized I wasn't. Imagine if I had in that moment the ability to, and I saw like trans something, I thought I was trans and I had trans friends and I was able to literally go through it.

• 17:41Speaker 04

  That's not how being trans works, dude. You don't just think you're trans.

• 17:46Caleb Hammer?

  Okay, but I just thought I was gay.

• 17:47Speaker 04

  It's just like how I don't make the decision that I'm bisexual. It's not something that you can just choose.

• 17:51Caleb Hammer?

  But you're not listening to my real world experience.

• 17:55Speaker 01

  Gotcha bitch.

• 17:56Caleb Hammer?

  You're dismissing it. I just explained my entire thing, how it happened.

• 18:02Speaker 04

  Okay.

• 18:03Caleb Hammer?

  I don't think you just listened to my point though. My point was if I experienced that in my, dude, my hormones are f***ing crazy. And my parents were just listening to me and they went along with it because that's what like our culture was like at the time. I could have, I, my life would be completely different now. Again, once someone's an adult, fully transitioned, I don't give a f***, do it. All about it, all about it. Let's go. Let's go. I'll pay for it. Let's go. Let's get those fresh, brand new pair of tits. Let's go!

• 18:28Speaker 04

  Nobody's accusing you of having an issue with people transitioning. I just think.

• 18:32Caleb Hammer?

  Yeah, but I do have to clarify that because people like you in the comments will be absolutely. Yeah, I mean, yeah. You are in a political worldview camp where your mind's already determined on this and you think it's like totally good, no matter what.

• 18:46Speaker 04

  That is not what I said.

• 18:48Caleb Hammer?

  Well, just listening to your words. So at that point, you've already decided that you're in full support of this. So obviously it's not compared to anything. For people that are completely anti-trans, it is actually as bad. It's obviously not to me, but even still, your argument saying, just, I'm okay with people doing whatever they want if they choose.

• 19:04Speaker 04

  That is not what I said.

• 19:06Caleb Hammer?

  Then you say it again, because it was pretty close to that. Say it again. Say what you said.

• 19:08Speaker 04

  I don't think it's up to you or me or the government to make decisions about medical transitions for people's children.

• 19:16Caleb Hammer?

  But for minors, things are different. We make those choices all the time as a government.

• 19:25Speaker 06

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• 19:50Caleb Hammer?

  Yes, we do. What happens to kids? Absolutely, we do. As a society, 100%, every society does.

• 19:58Speaker 04

  Okay, give me an example.

• 19:59Caleb Hammer?

  Vaccine mandates.

• 20:02Speaker 04

  Okay, well.

• 20:03Caleb Hammer?

  Okay, there we go.

• 20:04Speaker 04

  No, no, no, no, no, no, no, no. Vaccine mandates didn't enact on anybody unless they were over the age of 16 when COVID was happening. That's a fact.

• 20:13Caleb Hammer?

  What, when I say vaccine mandates, you only think of the COVID vaccine? I bet your brain only does, yeah.

• 20:17Speaker 04

  That's the, uh, that's the, that's the main talking point when they're brought up.

• 20:20Caleb Hammer?

  That for me, I don't give a [bleep]. What are you talking about?

• 20:22Speaker 04

  Okay, fine. Let's talk about, let's talk about measles then.

• 20:25Speaker 07

  Oh my god, like, can we talk about, like, the political and economic state of the world right now?

• 20:29Speaker 04

  And illness, and illness that is mandate.

• 20:31Caleb Hammer?

  Okay, I don't give a [bleep]. What are you on about, dude?

• 20:33Speaker 04

  You brought it up. What the [bleep] are you talking about?

• 20:36Caleb Hammer?

  Measles?

• 20:37Speaker 04

  Vaccine mandates, vaccine mandates. I don't want to talk about any, I don't want to talk about COVID, I don't want to talk about measles. I don't want to talk about mandated vaccines at all, but I'll bring it up though.

• 20:46Caleb Hammer?

  I didn't say that.

• 20:46Speaker 04

  Dude, get a hold of yourself.

• 20:48Caleb Hammer?

  And again, like, there's educational rules that we have, even if homeschooled, they have to pass certain tests and whatnot. We don't allow them to do whatever. There's some religious exemptions, I do know that.

• 20:58Speaker 04

  Never once have the words left my mouth that people should be able to do whatever they want to their children.

• 21:03Caleb Hammer?

  You just asked, you asked me to give examples, that's what I'm doing. I'm just answering your question.

• 21:07Speaker 04

  You're trying to prove a point that I never made.

• 21:08Caleb Hammer?

  No, I'm literally just answering your question, dude. I don't know what you're on about. I'm literally just answering your question, I'm not trying to make a point.

• 21:14Speaker 04

  I never said, I never said.

• 21:16Caleb Hammer?

  I didn't say you said.

• 21:17Speaker 04

  People should be allowed to do whatever they want. He's said it four times now.

• 21:20Caleb Hammer?

  Oh, maybe, I don't know, but I'm literally right now just answering your question.

• 21:23Speaker 04

  Okay, go ahead.

• 21:24Caleb Hammer?

  Am I allowed? I just did.

• 21:27Caleb Hammer?

  Um, so requirements are set by individual states and sometimes local jurisdictions when it comes to uh, attendance at public schools and private schools and childcare facilities. So, core vaccines required for kids in nearly all states for kindergarten and school entry. Uh, DTAP, polio, MMR, and uh, the chickenpox. So, obviously, yes, there is some that don't, and there's some homeschoolers, there's some weirdos, I gotcha, but

• 21:54Caleb Hammer?

  there you go, I answered your question.

• 21:55Speaker 04

  I mean, obviously, you have to play into it for the show, that's kind of the premise, you have this superiority complex.

• 21:59Caleb Hammer?

  I'm not doing anything.

• 22:00Speaker 04

  Let me finish, you asked me a question, let me answer. You have this superiority complex with your guests, because obviously, they've made their own financial decisions and mistakes. Uh, and obviously, they come in here because they want to try to do better. And, um, and you tend to share a lot of.

• 22:15Caleb Hammer?

  Do the show?

• 22:16Speaker 04

  Yeah, okay.

• 22:18Caleb Hammer?

  Yes, I'm sorry that every episode is exactly what you would think it is. What? What's the point you're trying to make? Superiority complex, I don't come in with that, I just have fun. We roast, we goon, we go crazy. We have some Springer energy, and we do a financial audit, it's a good time, I don't [bleep] superiority complex over there. And a lot of them have better parts of their lives than I do, I don't know.

• 22:42Caleb Hammer?

  I own a family, some of them have a great family, seen some beautiful [bleep] families here, what are you talking about? I don't have a full superiority complex.

• 22:48Speaker 04

  I don't know, dude.

• 22:49Caleb Hammer?

  I do better with my money than them.

• 22:50Speaker 04

  That's what I'm saying, and that's, and that's fine, like, that's the point of the show, right? I get that.

• 22:54Caleb Hammer?

  Yeah, no shit.

• 22:54Speaker 04

  I think, I think it would be helpful for you to kind of take into account the current economic situation that most people are operating under.

• 23:01Caleb Hammer?

  What's the current economic situation?

• 23:03Speaker 04

  Oh god, where do I start? Um.

• 23:05Caleb Hammer?

  What the current economic situation?

• 23:06Speaker 04

  Here we go. You'll love this one. Uh, the federal minimum wage has been the same for the last almost 20 years.

• 23:12Caleb Hammer?

  Very good. What percentage of the US population is working on the federal minimum wage?

• 23:17Speaker 04

  One.

• 23:17Caleb Hammer?

  Less.

• 23:17Speaker 04

  One, less.

• 23:18Caleb Hammer?

  You saw the clip, very good.

• 23:19Speaker 04

  1% of people.

• 23:21Caleb Hammer?

  Okay, less than, yeah.

• 23:22Speaker 04

  Work for the federal minimum wage.

• 23:23Caleb Hammer?

  So what's your?

• 23:23Speaker 04

  But that completely negates the fact that, oh, what is it, 55 million people live in states that have the federal minimum wage down at $7.25 an hour.

• 23:34Caleb Hammer?

  Like here in Texas, where you can't hire someone for less than 15, so that's the market demanding.

• 23:38Speaker 04

  No, no, no, no, see, I understand that.

• 23:40Caleb Hammer?

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• 24:25Caleb Hammer?

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• 25:10Caleb Hammer?

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• 25:42Speaker 04

  The market rate is $12 to $15, right?

• 25:45Caleb Hammer?

  For fast food.

• 25:45Speaker 04

  But you're ignoring the ans, the anchor effect. Back in 1986, or no, it was 80, 80, I'm sorry, 68, 1968, the minimum wage was $1.23 an hour. Extrapolate that over time for inflation, is about $15 an hour.

• 26:00Caleb Hammer?

  Absolutely.

• 26:00Speaker 04

  The, the market, do you know, do you know what the market rate is, was back in, back in 68? Do you know what the market rate was? It was just about $30 an hour.

• 26:09Caleb Hammer?

  For the median pay?

• 26:10Speaker 04

  Yes, you can look it up. You can look it up, market rate was, was just about $30 an hour.

• 26:14Caleb Hammer?

  Okay, for entry-level work? Because that's what we're comparing.

• 26:19Speaker 04

  Yes, so.

• 26:19Caleb Hammer?

  Because the 12 to 15 you brought up right now is for working at McDonald's.

• 26:22Speaker 04

  My point is, my point is.

• 26:23Caleb Hammer?

  Okay, he's ignoring that.

• 26:24Speaker 04

  No, I'm not, I'm getting there. My point is, and this is the entire backbone for the proposed raise for the.

• 26:29Caleb Hammer?

  What year did you say?

• 26:30Speaker 04

  1968.

• 26:31Caleb Hammer?

  Okay.

• 26:32Speaker 04

  My point is, the federal minimum sets the standard for the entirety of the economy. Wealth in any economy is built from the ground up. We've seen over the last, I don't know, 20 years, that trickle-down economics just don't work. And so when your, when your wage floor is all the way down at $7.25 an hour.

• 26:50Caleb Hammer?

  You say trickle.

• 26:51Speaker 04

  People are allowed to pay people around $12 to $15 an hour, and make it look competitive.

• 26:57Caleb Hammer?

  Objectively, we have the highest disposable income in the history of human civilization.

• 27:01Speaker 04

  See, this is a, this is an anti-intellectual take right here, because he's completely ignoring what I'm saying.

• 27:05Caleb Hammer?

  No, no, no, you just said it doesn't work, but if we have statistically the highest disposable income anywhere in the world, what hasn't worked there?

• 27:13Speaker 04

  We as.

• 27:14Caleb Hammer?

  If the, if capitalism is so bad, why has poverty fallen off a cliff the moment that the world got more capitalistic?

• 27:22Speaker 04

  Okay, so.

• 27:23Caleb Hammer?

  Well, you can answer the question, I answered your question, try to answer mine.

• 27:30Speaker 04

  The metric that you're using for nationwide doesn't take into account the fact that.

• 27:34Caleb Hammer?

  It's median, not average.

• 27:35Speaker 04

  Right, I understand.

• 27:36Caleb Hammer?

  Median's better.

• 27:37Speaker 04

  I understand.

• 27:38Caleb Hammer?

  What are you gonna use, anecdotal examples?

• 27:40Speaker 04

  I'm saying, from 2011 to 2019, your argument makes sense, right? 2011 to 2019, things were stable, rent was affordable.

• 27:49Caleb Hammer?

  What do you mean, you don't, capitalism here in Austin.

• 27:52Speaker 04

  Answer the [bleep] question.

• 27:53Caleb Hammer?

  Well, it's my show, thank you, you know what channel you're on. The thing is, and you went through the onboarding process, don't act like a whiny little bitch, baby. The reality is, in Austin, Texas, where we allowed capitalism instead of performing to policies like you, rent is nationwide, like, incredibly low here.

• 28:07Speaker 04

  Oh yeah, it's, especially over the last few years.

• 28:10Caleb Hammer?

  It's very good.

• 28:11Speaker 04

  I'm not saying, I'm not anti-capitalist.

• 28:13Caleb Hammer?

  You can't say rent high.

• 28:14Speaker 04

  I'm not anti-capitalist.

• 28:15Caleb Hammer?

  Rent is cheaper here than it was in the golden years you're complaining about.

• 28:18Speaker 04

  It was, I mean, it is, yeah, the income to rent ratio now because of the most recent housing collapse here in Texas.

• 28:25Caleb Hammer?

  No, housing boom, but yeah.

• 28:26Speaker 04

  Well, sure, I'm talking purely financial. We, my point is, the income to rent ratio in Austin is lower than it's been in ages.

• 28:33Caleb Hammer?

  Because we did capitalist policies.

• 28:34Speaker 04

  Yes, I'm not saying that I'm anti-capitalist, I'm not saying that I'm anti-deaf market.

• 28:38Caleb Hammer?

  Compared to the year you just did, and you said rent's more expensive now, no, it's not, in good places.

• 28:41Speaker 04

  I'm talking nationwide, dude.

• 28:42Caleb Hammer?

  In good places, I don't care.

• 28:43Speaker 04

  I'm talking nationwide.

• 28:44Caleb Hammer?

  But if LA has insane rent policies and they skew the statistics, I'm not gonna [bleep] with them.

• 28:51Caleb Hammer?

  Is that not unfair?

• 28:53Speaker 04

  I, I don't, I don't even know what you mean by that, dude, that, he's not debating the point that I'm making.

• 28:58Caleb Hammer?

  Yes, I am.

• 28:59Speaker 04

  No, you're not. My overarching point here is

• 29:04Speaker 04

  when the wage floor is stuck at $7.25 a year.

• 29:08Caleb Hammer?

  So I want to actually answer your question, so I am gonna interrupt you. Uh, so the entry-level wage, uh, then historically, um, uh, sorry. Uh, the median entry-level pay was actually typically the federal minimum wage of $1.60 per hour then. That's what is found through, let's see, that is going through, uh, newyork.gov. Um, and adjusted for inflation today, that'd be $15.35. You said 20, you were wrong, you lied.

• 29:37Speaker 04

  No.

• 29:38Caleb Hammer?

  Yeah, the median entry-level pay.

• 29:40Speaker 04

  The federal minimum wage is $15.

• 29:42Caleb Hammer?

  No, you said.

• 29:42Speaker 04

  Look up the market rate, look up the market rate right now. The market rate in 1968.

• 29:46Caleb Hammer?

  I just did.

• 29:47Speaker 04

  What, no, no, no, you [bleep] cherry picked the.

• 29:49Caleb Hammer?

  No, I didn't.

• 29:50Speaker 04

  Yes, you did.

• 29:50Caleb Hammer?

  No, I didn't.

• 29:51Speaker 04

  Entry-level rage.

• 29:52Caleb Hammer?

  Yes, because that's what we were talking about.

• 29:54Speaker 04

  I want you to enter a search bar. I said the, okay.

• 29:57Caleb Hammer?

  Then we're doing median pay?

• 29:58Speaker 04

  The $7.25 an hour doesn't mean anything, because the market rate is $15 here in the United States. But when I look back, when the federal minimum wage equivalent of.

• 30:10Caleb Hammer?

  You're being bleeped right now.

• 30:13Speaker 04

  Oh yeah, this guy.

• 30:14Caleb Hammer?

  It's being bleeped. Okay, so let me ask for clarification then, because what I did was actually look up what I thought we were agreeing to, because I want to walk through the example you gave. You said federal minimum wage back then was a dollar sixty cents, and you were talking about for that job, people making minimum wage or people making the market rate here in Austin, the market rate that you talked about. One second.

• 30:36Speaker 04

  I didn't say anything about Austin. I said nationwide.

• 30:38Caleb Hammer?

  Okay, you said the twelve to fifteen market rate, dollar. You were giving that example. What's the twelve to fifteen dollar market rate? That's entry level fast food work. So I compared what was the median for entry level fast food work then in today's dollar. What? That's we're comparing apples and apples.

• 30:54Speaker 04

  No, no, no, no, we're not, because we have federal minimum wage and market rate. He's comparing federal minimum wage and market rate currently to federal minimum wage and fast food work and not the market rate in sixty eight. That's my whole point.

• 31:07Caleb Hammer?

  The market rate for what?

• 31:08Speaker 04

  The average market rate for the nation.

• 31:10Caleb Hammer?

  For the nation. Okay, what's the average market rate now? It's not twelve to fifteen. When you said twelve to fifteen, that's the average market rate for entry level fast food.

• 31:17Speaker 04

  The market rate right now is twelve to fifteen.

• 31:19Caleb Hammer?

  For entry level fast food!

• 31:21Speaker 04

  For everything. Look it up, look it up right now. Twelve, the market rate for income in the United States is about double the federal minimum wage. That's how it's always worked.

• 31:31Caleb Hammer?

  Okay.

• 31:37Speaker 04

  Read me what you typed in.

• 31:38Caleb Hammer?

  Yes, what is the average market rate for income in the United States right now? Is that good?

• 31:43Speaker 04

  Go for it.

• 31:43Caleb Hammer?

  Is that good enough for you?

• 31:44Speaker 04

  It's good enough for me.

• 31:45Caleb Hammer?

  So he says twelve to fifteen, which we all know is incorrect, because we live in the real world and we actually work for a living, and we're able to read.

• 31:54Speaker 04

  Just read the results.

• 31:56Caleb Hammer?

  It's going.

• 31:59Caleb Hammer?

  What? You don't want me to read?

• 32:00Speaker 04

  Go ahead, cherry pick your data, dude.

• 32:01Caleb Hammer?

  I'm not cherry picking.

• 32:02Speaker 04

  Read it. Just read what you have in front of you.

• 32:04Caleb Hammer?

  Forty-five thousand dollars a year.

• 32:05Speaker 04

  And what does that work out to hourly?

• 32:06Caleb Hammer?

  Uh, let's figure that out. And that was two years ago, by the way. That was twenty four, uh, twenty-four data.

• 32:15Caleb Hammer?

  Oh, oh, sorry. Full-time worker median earning sixty-five thousand hours.

• 32:18Speaker 04

  The median income for, oh my God, the median income for a United States citizen now is between sixty-three and sixty-five, yes. That's not the market rate.

• 32:26Caleb Hammer?

  Well, what are you, what's the?

• 32:27Speaker 04

  Give me the market rate for income in the States. Don't sit here and cherry pick your data.

• 32:33Caleb Hammer?

  What are we gonna consider the market rate that's not, if it's not median?

• 32:36Speaker 04

  Give me an hourly wage. Not the median, the market rate. Just look up the market rate, dude.

• 32:42Caleb Hammer?

  What the, market rate is not like a thing.

• 32:45Speaker 04

  He refuses because he knows he's wrong.

• 32:45Caleb Hammer?

  No, I don't. I'm trying to ask for clarification.

• 32:47Speaker 04

  It's not a thing. Now it doesn't exist. He's got a laptop in front of him and he can't look up what is the market rate in the United States hourly and tell me, because he knows it is twelve to fifteen dollars. If not, I'll do it. Give it to me. I'll look it up.

• 33:01Caleb Hammer?

  Do you know why?

• 33:01Speaker 04

  Come on, Trump, come on.

• 33:02Caleb Hammer?

  Pause.

• 33:02Speaker 04

  Just do it. This guy is so funny.

• 33:05Caleb Hammer?

  Weird. You're such a freak.

• 33:07Speaker 04

  Weird, yeah, and I'm a retard.

• 33:08Caleb Hammer?

  Well, yes. So it specifically says, full-time median earning sixty-five thousand hours is a better market rate for what a typical full-time employee earns. The market rate isn't like a statistic that is reported by the Fed on a monthly basis. You, you have like, you're using a term that doesn't officially exist, so we're trying to get something that's closest to it.

• 33:28Speaker 04

  So we're gonna argue definitions instead of looking up?

• 33:30Caleb Hammer?

  I'm trying to figure out what do you consider a market rate, because that's not something you can look up, because it's not a real reported statistic.

• 33:36Speaker 04

  Okay, so for sixty-eight, I can look up what is the market rate, and it's about three dollars and five cents an hour, for sixty-eight, which extrapolates to around thirty dollars an hour.

• 33:44Caleb Hammer?

  You're not listening to me.

• 33:45Speaker 04

  No, you know, you're not listening to me. You refuse to just look it up!

• 33:50Caleb Hammer?

  I did, I read the answer.

• 33:51Speaker 04

  I'll do it right now. Watch this.

• 33:53Caleb Hammer?

  You do it. I literally read the answer. I'm just asking what you consider the market rate. What is the market rate?

• 33:59Speaker 04

  The market rate!

• 34:01Caleb Hammer?

  That's not something reported by the Federal Reserve!

• 34:06Caleb Hammer?

  That's not something that's reported by the Federal Reserve. You're asking me to look up something that doesn't exist?

• 34:13Speaker 04

  Oh, yeah.

• 34:19Speaker 04

  Okay, see, you know what? I can admit when I'm wrong, because...

• 34:28Caleb Hammer?

  Why do I talk to people like you?

• 34:30Speaker 04

  The average market rate for hourly income in the United States, if you would have just Googled it, would have just given you the answer.

• 34:36Caleb Hammer?

  Google, I'm trying to pull from sources, man, not just a Google.

• 34:40Speaker 04

  It's from the Bureau of Labor Statistics, dude.

• 34:41Caleb Hammer?

  Okay, Bureau of Labor Statistics is usually pretty good. I usually try to go off of Fed reports. He's shaking. Do you see that in his hands?

• 34:47Speaker 04

  A lot of, a lot of caffeine.

• 34:49Caleb Hammer?

  Okay, and what did it say?

• 34:51Speaker 04

  About thirty dollars an hour.

• 34:53Caleb Hammer?

  Why do we deal with people like this? I don't know. Okay.

• 34:57Speaker 00

  Five stocks to sell before the end of the week.

• 35:02Speaker 06

  My guy says now's the time to go all in. Real traders still hear the noise. They just know when to stop listening to it. Find and research opportunities to fit your strategy with Thinkorswim trading platforms from Schwab. Discover features like robust charting, nearly unlimited customization, and built-in risk management technology. Plus, get 24/7 support from real trading specialists. That's Schwab Trading. Learn more at schwab.com/trading.

• 35:28Speaker 04

  Uh, market rate of fourteen, fifteen dollars an hour is a quote that I pulled from a recent episode, so I figured that'd be the stance that you took, but...

• 35:35Caleb Hammer?

  Episode of what?

• 35:36Speaker 04

  Your show.

• 35:37Caleb Hammer?

  Yeah, I was saying for people to go get an entry level fast food job right now.

• 35:40Speaker 04

  But the words you used were market rate. Those were quoted, they're quoted directly from you.

• 35:46Caleb Hammer?

  I am a flubber of words. I probably missed a couple of words, and what I was certainly trying to say, because I, I know what's at least in my brain, is that's what they could go work and get right now at Dairy Queen in Austin. So I don't understand the current economic situation in the United States on this show, you're saying? And that was your first example? Well, I think I do, because I literally read the data and I watch every Fed meeting every month.

• 36:13Speaker 04

  My point is...

• 36:14Caleb Hammer?

  It's kind of my obsession.

• 36:15Speaker 04

  That's good. That's cool.

• 36:16Caleb Hammer?

  So I'm actually in the data, yes. I do understand the current economic situations in the United States. So where else am I failing my understanding?

• 36:22Speaker 04

  I'm just saying, not only has the federal minimum wage has been stagnant for the last sixteen years.

• 36:27Caleb Hammer?

  Less than one percent make it. Did you know what happened in Seattle when they raised the minimum wage for fast food, uh, for like, uh, delivery drivers?

• 36:37Speaker 04

  No.

• 36:37Caleb Hammer?

  I'll tell you what happened. Everyone made more money. But the pool of money that was going out was actually the same. It was just less people making more money. So it benefited about sixty percent that were able to make more money, but when they raised the mandatory minimum pay for those delivery drivers, about forty percent of them ended up going to zero. That's not fair to the forty percent. I'm not anti-minimum wage as a concept, but we do have to understand economic realities, and when we have performative policies, we need to realize what the actual outcomes and potential consequences might be. That's not, that's not bad. That's not radical. I'm, buddy, you, you look at me, and, I mean, what do you think my politics are?

• 37:16Speaker 04

  I have no idea, because you flip-flop every single time you're on the show.

• 37:18Caleb Hammer?

  I flip-flop?

• 37:19Speaker 04

  Yeah, you...

• 37:19Caleb Hammer?

  I'm consistent about my positions. Okay, fine, where do I flip-flop?

• 37:23Speaker 04

  Basically, anytime anybody thinks anything on the show, uh, you will just invert that, and those are your beliefs.

• 37:30Caleb Hammer?

  Tell me, what's my beliefs then?

• 37:31Speaker 04

  I don't know. Like I said, they change constantly. If I give you, if I give you an example, you're just gonna say it was the opposite.

• 37:36Caleb Hammer?

  Give me an example I changed.

• 37:40Speaker 04

  He's not listening.

• 37:44Caleb Hammer?

  What?

• 37:46Caleb Hammer?

  Give me an example I changed.

• 37:47Speaker 04

  I can't give you an example, because you're just gonna tell, you're just gonna claim that the opposite is your, is your beliefs.

• 37:50Caleb Hammer?

  Fine, I'll be quiet. Just give me an example.

• 37:55Caleb Hammer?

  Uh, okay, so what else do I not understand about the current economic situation? When I give you a financial audit here in a few minutes, what do I not understand about the current economic situation that would impact this?

• 38:06Speaker 04

  I mean, so because, uh, not only is the wage floor the same it's been for the last twenty years almost, uh, but the average dollar that you make is about thirty percent less spending power than it did the same, within the same twenty, or maybe since like twenty-eleven at least. Um, and so my, my point isn't that my financial, uh, mistakes are the fault of capitalism or anything. I'm, I'm more than willing to take full responsibility of the fact that I, uh, you know, I made these decisions and I'm in my debt for this exact reason, but I'm saying that the current economic situation that we're in, uh, with the lack of spending power for the, for the American dollar, is a big part of the reason why it's so difficult to then focus on paying all of that off. Um, I haven't used a credit

• 38:49Speaker 04

  card or, or taken out a loan other than, um, my, my car loan.

• 38:55Caleb Hammer?

  Personal choices.

• 38:56Speaker 04

  For the last six years, right? Um, I've been living paycheck to paycheck, because I do want to pay this stuff off. I know that I put myself in this situation, um, but I, I just think you could stand to be a little more understanding of the...

• 39:08Caleb Hammer?

  I am understanding.

• 39:10Speaker 04

  And, and that, that's my entire point, is like...

• 39:12Caleb Hammer?

  What? No, it wasn't. You're saying I'm not. I'm saying I am. How am I not understanding? You made personal choices to not open credit cards and take out loans. You are reaping the rewards of that. How am I not understanding?

• 39:23Speaker 04

  I just, you tend, you tend to be very combative about, uh...

• 39:27Caleb Hammer?

  Are you complaining about the show that you applied to be on?

• 39:30Speaker 04

  Yeah, that was part of the premise in my pitch document, yes.

• 39:33Caleb Hammer?

  Well, I don't read those. I don't know. I have producers, I have a team, I employ people, I'm a job creator, I'm a provider. I actually contribute to society.

• 39:42Speaker 04

  Very nice. It's very nice.

• 39:43Caleb Hammer?

  I don't just take and complain and then have wrong stats.

• 39:47Speaker 04

  All I do is take and complain, yeah, that's fine.

• 39:49Caleb Hammer?

  Hmm, just assuming, just assuming. This is people like you typically. Um, okay, so this is, uh, to go off of twenty-eleven, which is what you brought up, because we like to be informed here. Uh, cumulative CPI, consumer price index, you're talking about inflation, you don't even know what CPI is. I'm literally just gonna just like, let's just end the show. Um, is forty-eight point five percent. Uh, median wages have gone up for household, uh, sixty-seven percent since then.

• 40:16Speaker 04

  Okay.

• 40:17Caleb Hammer?

  So you're wrong.

• 40:18Speaker 04

  Okay, I'm sure.

• 40:19Caleb Hammer?

  It outpaced inflation by twenty percent.

• 40:20Speaker 04

  Hmm, yeah. That's not true at all.

• 40:24Caleb Hammer?

  Actually, that was

• 40:25Speaker 04

  Do you know anything?

• 40:26Caleb Hammer?

  Of labor statistics data.

• 40:27Speaker 04

  Do you know anything about? Do you know anything about the?

• 40:30Caleb Hammer?

  I mean, it is true.

• 40:31Speaker 04

  The median, what is it? It's the, the income to house price ratio in the United States.

• 40:36Caleb Hammer?

  Oh, it's

• 40:37Speaker 04

  Where it should be at?

• 40:38Caleb Hammer?

  Absolutely.

• 40:39Speaker 04

  You know, you know where the Would you know where the soft upper limit for that is? Based on like any financial advice?

• 40:44Caleb Hammer?

  I know it's horrendous. You and I agree on a horrendous. Where we just

• 40:46Speaker 04

  Should be around 2.5. We're almost at a six right now.

• 40:48Caleb Hammer?

  But what's your proposed policy to get it there?

• 40:50Speaker 04

  Here's my thing, right? When the federal minimum wage was

• 40:53Caleb Hammer?

  Okay, no proposed policy.

• 40:55Speaker 04

  Yeah, no, just don't let me answer the question, dude. When the federal minimum wage was the equivalent of $15 an hour and the wage floor was the equivalent of $15 an hour. And the market rate was around $30 an hour for the average person in 68. The average income to house price ratio was about a 2.3, I think it was, or maybe closer to 3%.

• 41:21Caleb Hammer?

  Let's go with it.

• 41:21Speaker 04

  3, 3 for the ratio.

• 41:22Caleb Hammer?

  You never know your numbers, but I'll pretend like that's true.

• 41:24Speaker 04

  Sure, yeah. My point is buying a house then, and even until the early 2000s.

• 41:30Caleb Hammer?

  Yes.

• 41:30Speaker 04

  As it creeped closer to like four.

• 41:32Caleb Hammer?

  Yes.

• 41:32Speaker 04

  Was a lot easier.

• 41:33Caleb Hammer?

  Hundred percent.

• 41:33Speaker 04

  And I would say all the way up until, I mean, after, you know, not even going to go into the housing crisis. All the way up until like 2011 to 2019, things were hovering around like a 5.3.

• 41:44Caleb Hammer?

  100%.

• 41:44Speaker 04

  And that's fine. As long as you got into the housing market and you wanted to buy before COVID. It wasn't easy. I'm not saying that millennials had an easy like go at getting a house.

• 41:54Caleb Hammer?

  No.

• 41:55Speaker 04

  But it is not only at a 5.8 now, it went from a

• 41:59Caleb Hammer?

  I was like preaching to you guys, you see that?

• 42:00Speaker 04

  It's not only a 5.8 now, but it's, it went from a, where it was before COVID to a 5.8 within a 36 month period.

• 42:09Caleb Hammer?

  Yes, very good.

• 42:10Speaker 04

  So

• 42:10Caleb Hammer?

  So what's your proposed policy?

• 42:13Speaker 04

  I'm saying the reason that it was more affordable.

• 42:15Caleb Hammer?

  Are you just complaining or do you have a proposed policy?

• 42:17Speaker 04

  The reason it was more affordable and the reason the ratio was, was lower as it should have been was because the wage floor was higher. Because wealth built in any economy is built from the bottom up and not the top down.

• 42:28Caleb Hammer?

  Okay, so pause, I allowed you to go for a couple of minutes there, so you're gonna allow me to go there. We already established as we looked at the data that actually when it came to wages, it has kept up and wages are good. But what has changed since 2020? House prices. Housing prices is what has been affected. It's not a wage problem. Wage problems haven't been affected. We have the highest disposable income as a major nation in the Western world. Yeah.

• 42:50Speaker 04

  That's not how that works.

• 42:51Caleb Hammer?

  No, no, no. I'm, I'm, I'm not

• 42:53Speaker 04

  Housing

• 42:54Caleb Hammer?

  By my point, I'm not, no, no, my point was concluded. You're focusing on the wrong problem. You want wages that have been doing this consistently and housing prices that did this consistently and did this, you want wages to go with it? No, we need to bring housing prices back to the normal. Now have, if you have wages do this, we'll have an inflation period that makes 2020 look like pennies. Looks like nothing. In order to do that, the actual policies to advocate for is making sure that people aren't able to abuse environmental protections with frivolous lawsuits to prevent building.

• 43:26Speaker 04

  Yep.

• 43:26Caleb Hammer?

  To allow getting rid of parking minimums, allow us to build higher density.

• 43:31Speaker 04

  Yep.

• 43:32Caleb Hammer?

  Allow us to build more on lots, allow us to build higher and getting rid of insane zoning laws. That's an actual policy worth going for.

• 43:39Speaker 04

  I can agree with you there.

• 43:40Caleb Hammer?

  You're focusing on the wrong thing though, buddy. Because we know from your own argument of what you looked up and confirmed and admitted that you're wrong. Wages are not bad. And when you will have inflationary years, I know when I did that 2011 to now, you'll have inflationary years like through COVID. Where inflation outpaced inflation, but we know from 2011, which was just, I only picked that year because he picked the year. That we know wages have outpaced inflation. So in reality, the issue there has been housing prices, not the lack of wages keeping pace with housing prices. We need to affect the real laws. And luckily, Congress bipartisan just passed the law and now it's in to law.

• 44:14Speaker 04

  They didn't though, they didn't pass it.

• 44:15Caleb Hammer?

  Yes, they did.

• 44:16Speaker 04

  Donald Trump refused to sign the road

• 44:18Caleb Hammer?

  It doesn't matter.

• 44:18Speaker 04

  To 21st century road to housing.

• 44:20Caleb Hammer?

  If he doesn't sign it or veto it, it became law. It became law last weekend. You don't know anything. You talk, you preach, you're a bitch, you know nothing.

• 44:27Speaker 04

  Yeah, I'm a bitch.

• 44:28Caleb Hammer?

  It became law. You can't talk about things if you don't know. You can't. It's law right now. And what it did was it tried to get rid of the loopholes of those environmental protections.

• 44:38Speaker 04

  I know, I know, I know, I know plenty about the, the bill.

• 44:41Caleb Hammer?

  Other than he didn't know it became law.

• 44:45Speaker 04

  Sure, yeah, I didn't know it became law.

• 44:46Caleb Hammer?

  I mean, that's a pretty crucial part.

• 44:47Speaker 04

  I mean, I

• 44:49Caleb Hammer?

  I would say it was actually the most important part. Whether or not it's like implemented. So that's what's the advocate for. Again, when policies become performative and they become TikTok and Reddit, it doesn't actually result in anything. If you want real results that help people, you need to actually think about the real outcome. The real outcome, trying to make housing more affordable, like we did in Austin. Like they did in Florida, they built, they went up.

• 45:15Caleb Hammer?

  It works. Take real things that work instead of being performative.

• 45:19Speaker 04

  I understand that building more housing. You're right, is, that, that, that's still like incentivizes my point. There's, there

• 45:27Caleb Hammer?

  Incentivizes your point?

• 45:30Speaker 04

  The reason that housing is so expensive nationwide is because of artificial scarcity created by the housing market. People, at the end of

• 45:38Caleb Hammer?

  What about the housing market?

• 45:39Speaker 04

  I'm getting there.

• 45:39Caleb Hammer?

  Okay.

• 45:40Speaker 04

  The end of, at the end of COVID, eviction moratoriums ended, the supply chain shortages that allowed, that delayed or canceled a lot of productions ended and

• 45:51Speaker 04

  single investors and hedge funds or what have you bought up single family homes and turned them into forever rentals.

• 45:56Caleb Hammer?

  Absolutely.

• 45:57Speaker 04

  This is artificial scarcity that is pricing people out of the housing market.

• 46:00Caleb Hammer?

  Can I ask just a clarification question as you're going on?

• 46:05Caleb Hammer?

  Uh, what percentage of private equity firms own single family homes?

• 46:08Speaker 04

  I have no idea.

• 46:09Caleb Hammer?

  What percentage of single family homes are owned by private equity firms?

• 46:11Speaker 04

  I have no idea.

• 46:12Caleb Hammer?

  Own more than 500? It's less than 1%.

• 46:16Caleb Hammer?

  It's less than 1%.

• 46:17Speaker 04

  You, you can't ignore that it's a contributing factor, though.

• 46:20Caleb Hammer?

  It's actually not. It's actually a performative policy. It's actually a populist policy. It's a sloppulous policy. That isn't a contributing factor. In fact, the vast majority of the houses, single family houses that private equity owns are places that were built to be rent. They didn't buy a house that already existed. It's less than 1%. The majority of landlords, uh, for the single family homes, it's the ma and pa, and that's still only 10%. And that's the biggest chunk by far. About, it's like 85% is owned by the people that live there for single family homes. No, and guess what? Rent moratorium? We didn't have that here in Austin and our housing costs went down.

• 46:57Speaker 04

  I'm talking

• 46:57Caleb Hammer?

  Because again

• 46:58Speaker 04

  Why do you keep pulling it to Austin?

• 46:59Caleb Hammer?

  Because there's places that have policies that aren't performative that actually succeeded. And then you have places that had those policies, like in LA, that failed. Guys, you've known me since the beginning and the fact is, I just love building products that help people. And we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever you want to use it for, whether it's consolidation after you change your behavior or you need to purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates. Or you can refinance a horrible auto loan today.

• 47:44Caleb Hammer?

  And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at Calebhammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out, save yourself a lot of money. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and others to pay millions for their role in designing and

• 48:21Speaker 06

  Real traders still hear the noise. They just know when to stop listening to it. Find and research opportunities to fit your strategy with Thinkorswim trading platforms from Schwab. Discover features like robust charting, nearly unlimited customization and built in risk management technology. Plus, get 24/7 support from real trading specialists. That's Schwab Trading. Learn more at schwab.com/trading.

• 48:43Caleb Hammer?

  Promoting addictive platforms. They knew their apps could contribute to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they cause. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. All that matters is the real world and the results in the end. And if you go on the private equity, and I don't even like private equity, don't have me defending them. But if you don't even know the data around it, don't fall for some sloppulism because you won't actually impact anything in the end. They only included that in the bail, bill because that's what's making people be in uproar right now. But it's, it's less than 1%.

• 49:26Caleb Hammer?

  Those major private equity firms for single, now they own a lot of apartment complexes, but you're not going to the apartment complex down the street and buying an apartment. It's not a condo building. So it doesn't matter.

• 49:39Caleb Hammer?

  So do you want to say something else that's wrong? Or do you want to admit that maybe you just had personal choices and bad opinions and you're not informed?

• 49:44Speaker 04

  No, uh, again, I'm not trying to blame my financial situation on macroeconomic issues. I know that the reason that I'm in debt is for my own, my own decisions that I've made. My entire point is, uh, the, the rental market isn't a safety net anymore either.

• 50:00Caleb Hammer?

  Safety net?

• 50:00Speaker 04

  Ever since

• 50:01Caleb Hammer?

  It's cheaper to rent than own in almost every

• 50:04Speaker 04

  It is almost the same amount in a lot of major, unless you want to live in the middle of Utah. Housing did not be, all of a sudden become 20% more better when it became more expensive.

• 50:13Caleb Hammer?

  Huh? Housing didn't become more better when it became more expensive?

• 50:16Speaker 04

  Yes.

• 50:17Caleb Hammer?

  Wait, what, what, what are you saying?

• 50:18Speaker 04

  Since the end of COVID, the rental industry has jumped by almost, I mean, a conservative estimate is 20%.

• 50:25Speaker 04

  It, it's not, it's not economically viable to rent instead of, instead of saving, it's not economically viable to both rent and save to own a home.

• 50:36Caleb Hammer?

  Why do you need to own a home?

• 50:39Speaker 04

  What do you mean? Why, why wouldn't you want to own a home?

• 50:41Caleb Hammer?

  You can if you want to, why do you need to?

• 50:47Speaker 04

  I don't understand, I don't understand the question.

• 50:49Caleb Hammer?

  I'm asking, why do you need to own a home?

• 50:50Speaker 04

  Why wouldn't you, why wouldn't you need to own a home?

• 50:51Caleb Hammer?

  You don't need to.

• 50:52Speaker 04

  Why would you want to build equity in a home you'll never own? Why is that something that you think is a good idea?

• 50:55Caleb Hammer?

  No, because if renting is cheaper, you can invest more in the market and the market outperforms the housing market, meaning you make more money in the end.

• 51:01Speaker 04

  The average person doesn't make enough money to both rent and save. To, you do understand that you have to save. The rent to home price ratio right now is almost six, okay? That means you'd have to save every dime you make for almost six years to afford to own a home in the United States.

• 51:18Caleb Hammer?

  So because you were wrong about something, I need to actually say the real stats so that people out there can be informed because this guy just spews bullshit. As of March 2026, in all fifth, in the top 50 largest metros, it was averaged out to $920 more a month to own a starter home than to rent a good apartment.

• 51:34Speaker 04

  Well, I'm talking about medium income for median priced homes in the United States.

• 51:37Caleb Hammer?

  Dude, that is, that's the top 50, okay, fine. Uh, in US counties, um, it's 42%. 42% and it's the rural areas that you're talking about where it's actually cheaper to own than rent.

• 51:49Speaker 04

  I'm talking about nationwide.

• 51:49Caleb Hammer?

  Yeah, but you were making the excuse of the rural world. No, that's where it's cheaper to rent. No, that's actually where it's cheaper to own. But if you're in a major metro, all 50, it is much cheaper to rent. Now, I would love people to buy houses if they want to, but we do know that extra $920, instead of being put in a house you own in the top five major metros, if you put them in the market, it would make more money. But if you want to buy, I'm totally down with that. People think I'm like against buying, I'm not. Buy. But even leftist finance creator Ramit, or Ramit, whatever, he's like the me with a lot less views and he's very lefty and that's okay. Um, he can have those opinions. He's rent. He says no one should buy.

• 52:28Speaker 04

  I mean, yeah, there's, I don't think there's any.

• 52:30Caleb Hammer?

  This is across the spectrum, it's just math. I think people can buy, but we do know renting is cheaper and if that extra $920 went into the S and P 500 versus a mortgage and riding the housing market, you would make more money. So why do you need to buy then? Because you were just proven wrong, so why do you need to buy?

• 52:47Speaker 04

  Majority of people aren't comfortable, like, putting their money into a stock market instead of holding on to it in a high-yield savings account.

• 52:55Caleb Hammer?

  That's their fault, that's a personal choice then, and their failures.

• 52:57Speaker 04

  Their failures.

• 52:58Caleb Hammer?

  Yes.

• 52:59Speaker 04

  You don't, you think it's, you think it's a financially safe decision while you're, you're taking all of your savings and putting it in gambling it in the stock market.

• 53:08Caleb Hammer?

  Gambling?

• 53:08Speaker 04

  Instead of just holding on to it in a high-yield savings account.

• 53:11Caleb Hammer?

  That, no financial advisor would recommend what you're advising. Not one certified financial planner.

• 53:16Speaker 04

  Nobody, what percentage of people have a [bleep] financial advisor?

• 53:18Caleb Hammer?

  What? That wasn't the point I was making. Just no expert would advise what you're saying. No one says throw all your savings in there. No, you should have a six-month emergency fund in a high-yield savings and then while you're young, take more risk in the market and as you get older, get towards more conservative things like bonds.

• 53:34Speaker 04

  I don't know a single person in, in all 24 of my years, I think I know two people who trade at all.

• 53:42Caleb Hammer?

  Trade? This is just investing in like your 401K, IRA, trade? Have you ever considered that maybe you in your life have surrounded yourself in a bubble?

• 53:50Speaker 04

  Sure.

• 53:51Caleb Hammer?

  Of people that only have your perspective?

• 53:53Speaker 04

  Sure.

• 53:54Caleb Hammer?

  Have you potentially considered that ever?

• 53:56Speaker 04

  Sure.

• 53:56Caleb Hammer?

  And maybe you need a little exposure to the outside world? Cause you, have you realized how many things have been fact-checked that you said that are completely wrong?

• 54:05Caleb Hammer?

  Like, it's, it's an interesting thing. I want to be proven wrong all the time because you know what happens when I'm proven wrong? When I'm proven wrong by something or work by one of these people, we get better results because then we know what's right. But you need to be proven wrong with data and you're just coming on here talking about performative policies that are like [bleep] jerking off. And it's, it's, it's just honestly, it's really sad because you're just in a [bleep] bubble. You need exposure to more ideas. It's just because you're hyper on the far left and that's just where you are. And that sucks. Same thing on the far right. Have you [bleep] seen what they do in their like streams and shit? They're [bleep] they're also in a bubble and they're crazy. Come to the middle with me, buddy. Just listen to data.

• 54:47Caleb Hammer?

  You can lean left and right on specific issues, no issue with that, but start from a place of neutrality, not from a place of your bubble and you have to align with your ideology and you'll get much more progress done. You know, the abundance movement came from left-wing thinkers. They're the builders. They're the ones who are doing parking minimums, killing those and building up. But you know the places that implemented them? Texas, Florida, red places. It should be places like LA and New York that are doing abundance, but they're not. You know what real policies and real capitalism has done versus performative policies? In Texas, it has led us to outpace California on solar, wind and battery. Because we allowed the market to just do the market instead of be performative and try to do it via government. It didn't work.

• 55:31Caleb Hammer?

  All we did was build the infrastructure of building power lines out there, but it was built out there for the [bleep] oil fields in West Texas. But then the market said, you know what? Wind and solar is going to be really good too.

• 55:43Caleb Hammer?

  So I just like reality.

• 55:47Caleb Hammer?

  Oops. I guess I'm an evil fascist.

• 55:50Speaker 04

  Never said that.

• 55:51Caleb Hammer?

  No, I know, but it is what people like you will say. And you, apparently you hated that I went on Joe Rogan too, because I guess talking to people is bad.

• 55:58Speaker 04

  I don't have a problem with you going on Joe Rogan as much as I have a problem with Joe Rogan.

• 56:03Caleb Hammer?

  Yeah. What do you, what do you, I bet you and him agree more socially than even you and I agree. And I'm like decently left socially.

• 56:09Speaker 04

  The guy doesn't really stand for anything.

• 56:10Caleb Hammer?

  Yes, he does, he has opinions all the time.

• 56:12Speaker 04

  Well, yeah, he's, he's very conservative leaning, but like.

• 56:15Caleb Hammer?

  Not socially though, other than like immigration.

• 56:17Speaker 04

  The guy will platform basically anybody.

• 56:19Caleb Hammer?

  But platform, you should talk to everyone because sunlight's the best disinfectant. I platform everybody. I have right and left, just like you.

• 56:27Speaker 04

  I don't really know how to respond to that.

• 56:28Caleb Hammer?

  Because there is no real response. You cancel culture freaks that won't platform.

• 56:33Speaker 04

  Cancel culture freaks.

• 56:34Caleb Hammer?

  Yeah, freaks that won't platform is why crazy radical ideas become so big because they're stuck in a bubble and more people just get there instead of their ideas being exposed.

• 56:43Speaker 04

  I'm sorry if I appreciate like an intellectual conversation had between two people who actually believe in something instead of some guy who will sit at a desk and yes sir, yes ma'am, every single person that he puts on his show.

• 56:53Caleb Hammer?

  You know, he just fought JD Vance for like two hours the other day.

• 56:55Speaker 04

  No, because I don't watch his goddamn show.

• 56:57Caleb Hammer?

  Well, then how can you comment on it?

• 57:00Caleb Hammer?

  His supporters were complaining about that episode because he was pushing back on everything JD Vance said.

• 57:06Caleb Hammer?

  So are you complaining about another thing that you're not informed on? Are you doing that again, guy?

• 57:11Speaker 04

  Sure.

• 57:11Caleb Hammer?

  I thought you said you liked an intellectual conversation between two people. I wish you could provide that.

• 57:15Speaker 04

  Yeah, I don't.

• 57:19Speaker 04

  I, I, I just, I wish we, I mean, because there are things that we agree on, right? Like.

• 57:22Caleb Hammer?

  Yeah. Uh. What do we agree on?

• 57:24Speaker 04

  I, I think, I think that you're right.

• 57:26Caleb Hammer?

  Gay people, great, love them. Stick it in the ass, let's go.

• 57:28Speaker 04

  I'm talking about.

• 57:29Caleb Hammer?

  Rin.

• 57:31Caleb Hammer?

  Yummy, toss him that salad.

• 57:32Speaker 03

  What the [bleep] are you talking about?

• 57:34Speaker 04

  I'm talking more along the lines of, um, like, like housing development and, and, and things like that.

• 57:41Caleb Hammer?

  Hey, we both want high-speed rail, right? More public infrastructure.

• 57:44Speaker 04

  Yes.

• 57:44Caleb Hammer?

  In case you haven't noticed, you've fallen right into my trap. But guess what? The only thing is, you will never achieve it because you will allow antisocial behavior to exist in public transportation.

• 57:56Speaker 04

  What are you talking about?

• 57:57Caleb Hammer?

  You don't even know what that is? That's like in Austin where you just allow homeless people to ride on it all day because that's their air conditioning. No one uses the buses here because of that. So it's underfunded because no one uses it and no one wants to support it and we can't build good infrastructure.

• 58:11Speaker 04

  People use the bus all the time.

• 58:12Caleb Hammer?

  In Austin?

• 58:12Speaker 04

  Yes.

• 58:13Caleb Hammer?

  The ridership parade is horrendous. You want me to get it for you?

• 58:15Speaker 04

  I'm, I don't know.

• 58:16Caleb Hammer?

  The all the time thing? This is what happens. Antisocial behavior means normal people will not use public transportation, which means there's no support.

• 58:23Speaker 04

  So what, we're going to throw homeless people in prison for sitting on a bus?

• 58:25Caleb Hammer?

  I didn't say that, but if you allow antisocial behavior, if you allow someone to commit a crime and immediately let them on the street with no cash bail, that is supporting.

• 58:33Speaker 04

  Commit a crime?

• 58:36Caleb Hammer?

  Yes.

• 58:36Speaker 04

  You think, you think somebody should be arrested and put in jail for sitting on a bus?

• 58:39Caleb Hammer?

  I didn't say that. I said if someone commits a crime.

• 58:43Speaker 04

  What does that have to do with public transit?

• 58:44Caleb Hammer?

  Antisocial behavior happens all the time on public transit. People are arrested and immediately let on no cash bail. Then they commit it again. Then it leads to like a murder in the end. And that's usually policies like people like you. So we both want public transportation. I just want people to actually support it and use it by getting rid of antisocial behavior. In San Francisco, Democrat mayor, democratic mayor, but he is center-left. Came in there after a [bleep] progressive like you was mayor and they kicked her out and DA. Now this guy said, actually, you have to just pay your minimum fare to come on and we're going to enforce that antisocial behavior collapsed, ridership is up. Whoa, that's crazy! And he's just a good, normal, solid dude on the left and I love that.

• 59:28Caleb Hammer?

  He is like a Bill Clinton Democrat and I'm like, [bleep] yeah, get that dick sucked under the desk. I'm all about that. That is freedom, that is America. How did that guy get hate for that? Get your dick sucked, what are we doing? Blowjobs are great. This is crazy. He's just a normal Bill Clinton Democrat. Nothing wrong with that.

• 59:43Speaker 04

  I, uh, if you want to talk about the Democrats, we can talk about the Democrats.

• 59:47Caleb Hammer?

  No, I don't. I just wanted to talk about public transportation. Like, we agree on, we want the world to be better. You just don't have actual policies to get there.

• 59:53Speaker 04

  Sure. I mean, I'm not a politician. Um, I can only.

• 59:56Caleb Hammer?

  You're a voter, you should have ideas and [bleep].

• 1:00:00Speaker 04

  Yes, I have policies that I've, that I, that I champion and that I support.

• 1:00:04Caleb Hammer?

  Just not based on data.

• 1:00:05Speaker 04

  Sure, it's not my job to memorize statistics.

• 1:00:08Caleb Hammer?

  You shouldn't have a policy proposal if you don't know the data around it. If you don't know the outcome of what that policy proposal is going to get you, yes, you actually shouldn't have it. It is your job as a responsible citizen, as a voter. It is. In a republic, absolutely. In a democracy, absolutely. You need to be informed. You're not, you're in a bubble. Can I see your TikTok?

• 1:00:27Speaker 04

  I don't use TikTok.

• 1:00:28Caleb Hammer?

  Reddit?

• 1:00:29Speaker 04

  I can, you can show me my Instagram.

• 1:00:30Caleb Hammer?

  Reddit?

• 1:00:31Speaker 04

  I don't use Reddit.

• 1:00:32Caleb Hammer?

  Instagram?

• 1:00:33Speaker 04

  Yeah.

• 1:00:33Caleb Hammer?

  Usually it's just racist reels. You fell down the boring part.

• 1:00:37Speaker 04

  Okay.

• 1:00:37Caleb Hammer?

  I just like normal people, not radicals.

• 1:00:41Speaker 04

  Radicals, yeah.

• 1:00:42Caleb Hammer?

  No, you are on a radical political spectrum.

• 1:00:44Speaker 04

  Yeah, yeah, yeah, I'm a democratic socialist.

• 1:00:46Caleb Hammer?

  Yeah, that's not good.

• 1:01:00Caleb Hammer?

  Buddy, okay, tell me, what's going on? I don't know. You, I've allowed you to take way too much of time, of my time with this stuff. I'm not a political debater. This isn't even my shit. I just enjoy the analytics and I enjoy markets.

• 1:01:13Speaker 04

  Mm-hmm.

• 1:01:14Caleb Hammer?

  That's it.

• 1:01:14Speaker 04

  Mm-hmm.

• 1:01:15Caleb Hammer?

  That's it. And I don't want kids to cut their balls off. I don't know. What else? Well, what's going on here? What am I looking at?

• 1:01:21Speaker 04

  Yeah, uh...

• 1:01:22Caleb Hammer?

  My daddy should bail you out.

• 1:01:23Speaker 04

  No, no, no, no, no.

• 1:01:24Caleb Hammer?

  I'm kidding. Again, I don't even...

• 1:01:25Speaker 04

  Draw a line there.

• 1:01:26Caleb Hammer?

  Draw a line there.

• 1:01:28Speaker 04

  My whole, my whole entire point is like...

• 1:01:30Caleb Hammer?

  No, no, no.

• 1:01:30Speaker 04

  No, no, no. He asked me a question, so I'm gonna answer it.

• 1:01:33Caleb Hammer?

  I asked you what's going on here.

• 1:01:34Speaker 04

  Yes, yes, yes, yes. And I'm not, I'm, I'm going to characterize myself accurately.

• 1:01:37Caleb Hammer?

  This was my question, just what's going on here?

• 1:01:39Speaker 04

  My financial, my, my, my macroeconomic beliefs and my own, uh, financial responsibility are not the same. They're not, they, they do not correlate. I'm not saying that social programs are...

• 1:01:52Caleb Hammer?

  Please tell me what's going on here.

• 1:01:53Speaker 04

  Yeah, um, when I was 18, my mom and dad opened up credit cards for me and told me to start spending money on them and paying it off as I started working.

• 1:02:04Caleb Hammer?

  So, yeah, you have collections of this, in this account of $20,570. Sounds like a responsible person.

• 1:02:10Speaker 04

  No, uh, these were mistakes that I made when I was 18 and 19 years old and, uh, I'm not saying that they're not my fault. Say again?

• 1:02:17Caleb Hammer?

  Weren't you paying on them now?

• 1:02:17Speaker 04

  I've been living paycheck to paycheck for the last six years.

• 1:02:19Caleb Hammer?

  Why? What's your job? I didn't even ask that. You didn't even let me ask that at the beginning.

• 1:02:23Speaker 04

  Yeah, yeah, we did.

• 1:02:24Caleb Hammer?

  What is it?

• 1:02:25Speaker 04

  I'm a IT manager for the city of Austin.

• 1:02:27Caleb Hammer?

  Oh, right, you don't make much money. Okay, what life choices did you make that are your fault only to make you paycheck to paycheck?

• 1:02:34Speaker 04

  Uh, well, when I first moved out to Austin, uh, housing was a lot more expensive. The, the most affordable, the most affordable apartment I could find was about $1,400.

• 1:02:44Caleb Hammer?

  When did you move here? Cause it hasn't been expensive for like four years.

• 1:02:47Speaker 04

  Yeah, and I moved here in 2021.

• 1:02:49Caleb Hammer?

  Okay, so you had one year of expensive, four years of not.

• 1:02:52Speaker 04

  Sure.

• 1:02:53Caleb Hammer?

  Okay. What a victim!

• 1:02:55Speaker 04

  Oh my god. Yeah, I, I, I am...

• 1:02:57Caleb Hammer?

  What hits your account on a monthly basis?

• 1:02:59Speaker 04

  Say again?

• 1:03:00Caleb Hammer?

  Oh, $4,116. You're not paycheck to paycheck. Your choice to choice.

• 1:03:08Speaker 04

  I moved back to Austin in February with my girlfriend, so expenses were about as half as much as they are now.

• 1:03:14Caleb Hammer?

  He went out to eat $400 and had miscellaneous spending of $518. He spends minimum on bullshit of $1,000. He's not paycheck to bu- paycheck. He's bullshit to bullshit, choice to choice.

• 1:03:23Speaker 04

  Sure, yeah.

• 1:03:23Caleb Hammer?

  Loser to loser, failure to failure, victim to victim.

• 1:03:26Speaker 04

  I'm not saying that any of this isn't my fault.

• 1:03:28Caleb Hammer?

  You just said you were paycheck to paycheck.

• 1:03:29Speaker 04

  Mm-hmm.

• 1:03:30Caleb Hammer?

  You're not.

• 1:03:31Speaker 04

  Okay.

• 1:03:32Caleb Hammer?

  Objectively.

• 1:03:33Speaker 04

  Okay.

• 1:03:34Caleb Hammer?

  You choose to spend your paycheck on things you don't need to.

• 1:03:37Speaker 04

  Uh, I would say since the beginning of last month in June, when I started this position, uh, about half of my income goes to rent and the rest of it goes to savings.

• 1:03:44Caleb Hammer?

  This is your most recent month. You spent $1,000 on bullshit. Even if half your income goes to rent, you still don't have to spend $1,000 on bullshit. I'm, I'm confused what that has to do with anything. Yes, take a look. Numbers, his scariest thing.

• 1:03:56Speaker 04

  Other large, 33%. I don't even know what this means. Um, the last month hasn't been super easy. My, my girlfriend moved out at the beginning of last June, or of this, of last month in June, and all of my, all of my finances or my, my expenses have doubled. Um, yeah, no, I mean, I'm not gonna...

• 1:04:16Caleb Hammer?

  You still spend $1,000 on bullshit. I'm confused what that has to do with your expenses doubling. That sucks. I have sympathy for that.

• 1:04:23Speaker 04

  Yeah, uh, my point is it's not been easy. Um...

• 1:04:27Caleb Hammer?

  Yeah, when you spend $1,000, if you're $4,000, it's not gonna be easy. That was your choice!

• 1:04:34Speaker 04

  Yep.

• 1:04:47Caleb Hammer?

  Are they 49th?

• 1:04:48Speaker 04

  Because it's, it's, uh, it's sustainable and like, uh, like...

• 1:04:53Caleb Hammer?

  It's an easy work?

• 1:04:54Speaker 04

  It's feasible to not work, yeah.

• 1:04:55Caleb Hammer?

  That's not a good thing.

• 1:04:57Speaker 04

  I disagree.

• 1:04:58Caleb Hammer?

  That doesn't progress society. You disagree? There's the actual DSA platform. There's the DSA platform.

• 1:05:05Speaker 04

  I don't know, man. I don't think, I don't think people deserve to be homeless because they get sick. Or...

• 1:05:10Caleb Hammer?

  Who said that?

• 1:05:11Speaker 04

  Or, everybody is one bad day away from being unhoused. That's a fact. And the fact that the state of California is making it more livable and doable to be unemployed for a long period of time. Here, here's a good example. Here's why my finances have been so back and forth for, for so long. Um, I left university before I graduated and because I don't have a degree, um, I had to contract hop until I've gotten this job now.

• 1:05:36Caleb Hammer?

  That's not, not cause you didn't have a degree. I didn't have a degree.

• 1:05:39Speaker 04

  Let me finish.

• 1:05:40Caleb Hammer?

  I chose to live a better life.

• 1:05:41Speaker 04

  You're living, you're working for yourself.

• 1:05:42Caleb Hammer?

  What, right now? Not, not after I left college.

• 1:05:45Speaker 04

  My point is...

• 1:05:46Caleb Hammer?

  Those were your life choices!

• 1:05:47Speaker 04

  I am, yes, that's, that's a fact.

• 1:05:49Caleb Hammer?

  I left college without a degree. I got a sales job.

• 1:05:52Speaker 04

  Yeah, and I'm not working in sales.

• 1:05:54Caleb Hammer?

  You chose that.

• 1:05:55Speaker 04

  Yes, I did.

• 1:05:55Caleb Hammer?

  So it's not cause you didn't get a degree? You're not a victim.

• 1:05:59Speaker 04

  I didn't get a degree. I networked. I've been working full-time, or well, contracts, full-time...

• 1:06:11Speaker 06

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• 1:06:34Speaker 04

  I'm contract since I left university. Okay, so my, I've never, up until, I think, a year or so ago, held the same job for more than a year.

• 1:06:42Caleb Hammer?

  It's your choice.

• 1:06:43Speaker 04

  No, it's not.

• 1:06:44Caleb Hammer?

  Yeah, your choice to continue contract to contract?

• 1:06:46Speaker 04

  No, it's not.

• 1:06:47Caleb Hammer?

  Instead of pursuing something like sales?

• 1:06:48Speaker 04

  Do you understand how difficult it is to find a full-time job in the tech scene? I...

• 1:06:53Caleb Hammer?

  Yeah, but you didn't have to be intact.

• 1:06:54Speaker 04

  No, no, no, no, no, listen to me. I left university and got a full-time position with Acer, which led to a, a contract job with Tesla. I was building a resume to work at these S-tier financial institutions. I have built a resume now. I am on track to have a full-time job. I'm not explaining it to you. You don't listen. I'm explaining it to the audience.

• 1:07:16Caleb Hammer?

  Oh, I do listen.

• 1:07:16Speaker 04

  My full-time, my full-time job that I will likely be getting at the end of this year will set me up for success in order to, you know, not have to worry about medical bills, not have to worry about, um, not have to worry about like whether or not I'm gonna have my job at the end of the year. And it's something that I've had to work for, for a long time. It's not like I never plan on paying any of this back.

• 1:07:36Caleb Hammer?

  And I'm glad you have a full-time job now.

• 1:07:36Speaker 04

  But, um...

• 1:07:37Caleb Hammer?

  You chose the path in that position because you wanted that career field, though. You were not forced to do that career field.

• 1:07:44Speaker 04

  But it's, it's something that I'm good at, something that I know that I can do. I, I'm not good at sales.

• 1:07:49Caleb Hammer?

  Doesn't mean we should support everyone that wants to be an artist.

• 1:07:51Speaker 04

  There's a lot, that's, that's, that's such a non-intellectual take, dude. There's, there's no money in art compared to like the, the asset management.

• 1:07:58Caleb Hammer?

  And clearly, your skills were not demanded high enough.

• 1:08:00Speaker 04

  And I, dude, what are you talking about?

• 1:08:03Caleb Hammer?

  They weren't at that point.

• 1:08:04Speaker 04

  What are you talking about?

• 1:08:05Caleb Hammer?

  Buddy, if you're complaining about what it took to get here, you didn't have to do that. You could've done something else. So it's hard for me to have sympathy.

• 1:08:13Speaker 04

  And materialize this, this, this argument that like, oh, I could've decided to become a manager at Burger King or something like...

• 1:08:19Caleb Hammer?

  That is a career.

• 1:08:20Speaker 04

  I made more money even though it was not, I, even though it was not...

• 1:08:23Caleb Hammer?

  What are you complaining about?

• 1:08:24Speaker 04

  I had, I had, when, when I had the, the highest paying job that I ever had, when I realistically could've been paying this off, I was making $70 an hour working at ARM for, for a six-month period. But I had, but I had a, like, $11,000 care credit for my, um, biopsy for my colorectal cancer. And I had to pay all of that off. Um, that was my, and I, and I did.

• 1:08:46Caleb Hammer?

  Sounds like you're not bottoming anytime soon, am I?

• 1:08:48Speaker 04

  And I did. I, I paid it off.

• 1:08:51Caleb Hammer?

  Um, that's good. Medical debt, I don't even freak out about there. They're really not gonna come after you. You could just let it go.

• 1:08:57Speaker 04

  And, and, and, and, and so I don't want it to seem like, you know, I've made all this money and not, not prioritized paying any of this stuff off. It's just the credit card debt that I, I'm not, I mean, I have, I have a lot of debt.

• 1:09:09Caleb Hammer?

  See, you can say all this sympathy thing that is sad, and it is, but then last month you spent $1,000 on bullshit.

• 1:09:15Speaker 04

  Yes, I got broken up with and my friends kept taking me out. And I spent a bunch of my money...

• 1:09:21Caleb Hammer?

  Doesn't sound like your friends took you out. Sounds like you went out with your friends and you spent money.

• 1:09:24Speaker 04

  Yes, they're fine, yes.

• 1:09:26Caleb Hammer?

  Your friend should've took care of his boy, their boy. Sounds like you have shitty friends. Sounds like you have some DSA friends that don't like to share the wealth.

• 1:09:33Speaker 04

  I'm actually the only socialist in my friend group. My entire generation... And nobody that I know of in my generation is in the position to spend $1,000 on their friend because they got broken up with. He's in that, nobody's in that... That's what you just said.

• 1:09:46Caleb Hammer?

  Oh, they should've taken care of their boy. They should've paid for everything. One person?

• 1:09:50Speaker 04

  Nobody that I know. Or, or, or the, all three of them. Nobody's in that position.

• 1:09:55Caleb Hammer?

  Why do you think you are?

• 1:09:56Speaker 04

  I'm, I'm, I'm not, but I, I spent my savings because I was upset. I'm not saying it was a good decision to make or that it was a good idea.

• 1:10:02Caleb Hammer?

  Then don't go back to having cancer years ago, cause right now, you not paying this is your choice.

• 1:10:07Speaker 04

  Yes.

• 1:10:07Caleb Hammer?

  That was sad that your asshole had some cancer.

• 1:10:10Speaker 04

  You're absolutely right. My, my...

• 1:10:12Caleb Hammer?

  But that's not impacting your spending today.

• 1:10:14Speaker 04

  I would rather have, I would rather have a buffer of a couple thousand dollars for, for medical expenses.

• 1:10:20Caleb Hammer?

  Why do you care about that more than me? You're on my show. Pay attention to me.

• 1:10:23Speaker 04

  I would rather have a buffer of a few thousand dollars in case of medical expenses or, or a car accident or something.

• 1:10:28Caleb Hammer?

  Well, why don't you do that instead of spending $1,000 on bullshit?

• 1:10:30Speaker 04

  I do. I have...

• 1:10:32Caleb Hammer?

  Well, then you already accomplished that.

• 1:10:33Speaker 04

  I have money in savings now.

• 1:10:34Caleb Hammer?

  Then you already have that. Good, then use the $1,000 you spent on bullshit and put it towards that. I'm confused. What does you having a buffer have to do with it? You already have the buffer. I don't need to advocate for you having a buffer anymore.

• 1:10:47Speaker 04

  I would, I would much rather hold on to the money that I have while I have it instead of paying it off, paying it towards a debt that I have no realistic roadmap of paying off anytime soon.

• 1:10:56Caleb Hammer?

  You could have put a thousand dollars to it last month.

• 1:10:59Speaker 04

  Oh yeah, because that would have, that would have helped.

• 1:11:01Caleb Hammer?

  Yes.

• 1:11:02Speaker 04

  No.

• 1:11:03Caleb Hammer?

  Well, it would have paid off half of what you owe to JP Morgan Chase.

• 1:11:08Speaker 04

  Oh boy, JP Morgan Chase gets their money and now I have

• 1:11:11Caleb Hammer?

  Well, yeah, they could sue you.

• 1:11:12Speaker 04

  No savings.

• 1:11:13Caleb Hammer?

  They could sue, no, that's, that's money you spent on going out to eat and having fun. I didn't say drain your savings.

• 1:11:20Caleb Hammer?

  Do you not listen? This is what extremism does to your brain. This is your brain on extremism.

• 1:11:25Speaker 04

  Yep, yep. So like, I'm just like, I should be, I should be regularly at or below, or at or slightly above being broke, so I can chip away at a debt that doesn't meaningfully impact my life.

• 1:11:35Caleb Hammer?

  How do you not understand this? Your money that went to bullshit didn't go to savings. It didn't go to life expenses and went to bullshit. That could have gone towards debt.

• 1:11:43Speaker 04

  Well, at least I got to drink and, and like feel the way that I needed to while I was upset about a breakup or whatever, instead of that money just materializing into the bank of some lending company.

• 1:11:54Caleb Hammer?

  Well, it's consequences of actions, right? You know what they can do? They can sue you and they can garnish your wages.

• 1:11:58Speaker 04

  I'm sure they can.

• 1:11:58Caleb Hammer?

  The wages you fought for.

• 1:11:59Speaker 04

  But we're not there yet.

• 1:12:00Caleb Hammer?

  Well, I hope they get them there because he needs to learn some consequences. It is key, right?

• 1:12:05Speaker 04

  By the time any of this ends up going to court, I will have a full-time job and I will have enough capital in savings to start paying this off.

• 1:12:11Caleb Hammer?

  So, we've had people that were on contract to hire, expected them to get hired last year and then it actually didn't work out.

• 1:12:17Speaker 04

  Yep.

• 1:12:19Caleb Hammer?

  Right? That one lady? Yeah, she lost the big bag. Hope that doesn't happen to you.

• 1:12:25Caleb Hammer?

  Uh, I just don't think, I think you just don't budget and you just don't take any responsibility or accountability for yourself. Oh, at least you actually paying your, okay, so we have 20,000 collections, 4,500, 2,900, 3,200, 2,900. Now here's an actual debt that is active and at least he is paying for it. All 0% paid off. It must be new. Roadrunner? Account?

• 1:12:46Speaker 04

  Yeah, it's a financed motorcycle.

• 1:12:50Caleb Hammer?

  Motorcycle? Instead of a car?

• 1:12:53Speaker 04

  Yeah, they're better on gas.

• 1:12:55Caleb Hammer?

  They are.

• 1:12:56Speaker 04

  The insurance is cheaper.

• 1:12:57Caleb Hammer?

  But we do have weather.

• 1:12:59Speaker 04

  Yeah.

• 1:13:00Caleb Hammer?

  Doesn't your job want you to show up even in the winter here?

• 1:13:03Speaker 04

  I keep a change of clothes in my office.

• 1:13:07Speaker 04

  If it really comes down to it.

• 1:13:08Caleb Hammer?

  Okay, okay. That's an actual potential solution.

• 1:13:12Speaker 04

  And I ride with my gear.

• 1:13:12Caleb Hammer?

  Weird to see, weird to hear a real solution from someone in the DSA.

• 1:13:17Speaker 04

  Yeah, I, I ride with all my gear. So like even if it rains, I don't get super wet. I just hang up my helmet, gloves, boots and jacket.

• 1:13:23Caleb Hammer?

  Which by the way, I want to clarify here because I, we did our audience poll. Um, and like, we know like, we're actually split down the middle. Most consider them still centrists, then right and left is actually uh, pretty split. And then like 2% is far left, 2% is far right. If you're on the, me ranting about him and being a far extreme left to this, that doesn't mean if you are on the left that I disagree with you or dislike you. I actually probably agree with you a lot. And same with normal people on the right. Extremism is bad. Extremism is bad. And look what it results in a life.

• 1:13:57Speaker 04

  Can I, can I tell you, can I tell, so first of all, I wasn't, I wasn't politically involved until about

• 1:14:09Caleb Hammer?

  Your point is something that doesn't align with the real world. Gotcha. We know that. So $184 to your motorcycle.

• 1:14:15Speaker 04

  We are actively unseating Democrat incumbents.

• 1:14:18Caleb Hammer?

  Four very left districts where almost nobody turned out.

• 1:14:22Speaker 04

  My point is it's setting a tone for the Democratic Party. Things are going to change. We have seen socialist, uh, we have seen socialist, uh, policies work long-term in Wisconsin.

• 1:14:33Caleb Hammer?

  That's interesting.

• 1:14:35Speaker 04

  Yeah.

• 1:14:36Caleb Hammer?

  You also owe on trans world systems. Do you just remember how unfortunately everything you brought up, you couldn't statistically back?

• 1:14:42Speaker 04

  Sure.

• 1:14:43Caleb Hammer?

  Isn't that important for an argument?

• 1:14:47Caleb Hammer?

  You realize you're just emotional arguments.

• 1:14:51Caleb Hammer?

  This is unfortunately not a good way to base policies.

• 1:14:54Speaker 04

  Yeah. Everybody's wrong and this guy is the only person who knows how to speak truth.

• 1:15:00Caleb Hammer?

  Not at all. I'm pretty, but when I talk to even more people, it does make me look good. So thank you.

• 1:15:05Speaker 04

  You're welcome.

• 1:15:06Caleb Hammer?

  Like, we could have actually intelligent people on here and they'd kill me. You know, if I had a pretty, uh, he's not far left, but he's on the left. If I had Destiny in front of me, who is much more informed on political issues than me, he would obliterate me.

• 1:15:19Speaker 04

  I, I think the

• 1:15:20Caleb Hammer?

  And I might not agree with him on everything, but he would destroy me. You're just

• 1:15:23Speaker 04

  I think I'm just an average person. I have

• 1:15:25Caleb Hammer?

  No, you're an extremist. You're not even close to aligned with the average person. Collections, trans world systems, who knows? Hey, student loans for an ND. Are you deferring it forever?

• 1:15:41Speaker 04

  No, during the Biden administration, they, I qualified for, I qualified for zero dollar payments. That's why it's not in collections because my payment every month is zero dollars.

• 1:15:49Caleb Hammer?

  Still today?

• 1:15:50Speaker 04

  Still today. Still today.

• 1:15:52Caleb Hammer?

  Have you checked with the payment assistance program?

• 1:15:54Speaker 04

  I've spoken with, I've spoken with

• 1:15:55Caleb Hammer?

  And you're good?

• 1:15:56Speaker 04

  I'm fine, totally fine. Yes.

• 1:15:57Caleb Hammer?

  That's because

• 1:15:58Speaker 04

  They fall, they fall off after, after however long.

• 1:16:00Caleb Hammer?

  30 years, right? Now?

• 1:16:01Speaker 04

  Something like that. But my point is it'll be, it'll be zero dollar payments until they're gone.

• 1:16:07Caleb Hammer?

  Well, there's some socialism for you. We're giving it to you for no reason when you can obviously pay for it because you spent a thousand dollars on fun last night, but I'm glad I pay more taxes for it.

• 1:16:16Speaker 04

  Yep.

• 1:16:16Caleb Hammer?

  That's a fair system. That's an equitable system.

• 1:16:22Caleb Hammer?

  You know that's, right?

• 1:16:23Speaker 04

  Sure, I'm a retard.

• 1:16:25Caleb Hammer?

  No, I said, you know that

• 1:16:27Speaker 04

  I, I've been good about my savings for a long time. This has just been an off month. This has just been an off month. Yeah.

• 1:16:35Caleb Hammer?

  Guys, just like every guest in the history of financial audit, it's just an off month. You know, every month is off in a different way, right? You know, that's how that works.

• 1:16:43Speaker 04

  And this is what I mean when I'm telling, that, when I'm saying that the guy is rude. Like he has, he lacks understanding or consideration for anybody. He's just like, you're retarded.

• 1:16:51Caleb Hammer?

  Well, you spent a thousand dollars on bullshit. That's the what else is there to consider?

• 1:16:54Speaker 04

  Yes, yes. I spent a thousand dollars.

• 1:16:56Caleb Hammer?

  When? We all broke up with people before.

• 1:16:58Speaker 04

  And you didn't do anything about it? You just sat there and said kumbaya?

• 1:17:00Caleb Hammer?

  Destroyed my life.

• 1:17:01Speaker 04

  Oh yeah, because I destroyed my life because I, I spent the savings that I've already rebuilt.

• 1:17:06Caleb Hammer?

  And I'm just saying you could pay on these student loans, but we're making me pay more taxes because you don't need to for some reason. Even though you can spend all your money on fun. That's a little silly goose behavior. I'll, I'll say that instead of, no, here's a little silly goose.

• 1:17:24Caleb Hammer?

  Why'd he break up with you?

• 1:17:27Speaker 04

  I'd fuck you for that.

• 1:17:28Caleb Hammer?

  You're bi.

• 1:17:29Speaker 04

  Yeah.

• 1:17:30Caleb Hammer?

  What? Is it bad to be with men? Are we, are you homophobic?

• 1:17:33Speaker 04

  No, what the, why would you assume though? Like

• 1:17:36Caleb Hammer?

  Because you said you're bi. I don't know.

• 1:17:37Speaker 04

  No, I am bi, but I was

• 1:17:38Caleb Hammer?

  It was a 50/50 chance. I would be just as bad saying

• 1:17:41Speaker 04

  You're being inflammatory.

• 1:17:42Caleb Hammer?

  What? If I said woman, it was the same guess. Why'd she break up with you?

• 1:17:47Speaker 04

  I

• 1:17:48Caleb Hammer?

  And did she have a dick?

• 1:17:49Speaker 04

  I had, I

• 1:17:52Speaker 04

  I, I asked her to move out.

• 1:17:54Caleb Hammer?

  Oh, you broke up with her? Oh, oh, and then he had to go spend your money. Shut the fuck up, pussy. 519 credit score, that's your fault.

• 1:18:03Caleb Hammer?

  Why'd you ask her to move out? Um, wanted too much responsibility from you?

• 1:18:06Speaker 04

  No, I ended up, I ended up getting a job with Google that was going to have me like flying all over the place. And she said she didn't trust me and we got in an argument.

• 1:18:13Caleb Hammer?

  Why wouldn't she trust you?

• 1:18:17Speaker 04

  I don't know.

• 1:18:18Caleb Hammer?

  You don't know?

• 1:18:19Speaker 04

  I didn't ever give her a reason to not trust me.

• 1:18:21Caleb Hammer?

  Why'd she say she didn't trust you?

• 1:18:23Speaker 04

  I don't know. I don't know.

• 1:18:24Caleb Hammer?

  Women?

• 1:18:25Speaker 04

  What?

• 1:18:26Caleb Hammer?

  Huh?

• 1:18:27Speaker 04

  Why would you say that? She just wasn't being trusting of me. Like we, she moved in with me in February and we had, we had some disagreements and

• 1:18:35Caleb Hammer?

  What were they?

• 1:18:37Speaker 04

  I'm not getting into that with you.

• 1:18:38Caleb Hammer?

  Why? You're on financial audit.

• 1:18:39Speaker 04

  I'm not, I'm not

• 1:18:40Caleb Hammer?

  This is a finance, so why did you guys disagree?

• 1:18:42Speaker 04

  Because she didn't pay, she didn't, she didn't sign off on having her, her business aired out on, on, on the internet.

• 1:18:48Caleb Hammer?

  What about your business?

• 1:18:49Speaker 04

  Well, I'm, I'm not going to tell you what our disagreements were.

• 1:18:51Caleb Hammer?

  Who the fuck she is? Pussy.

• 1:18:53Speaker 04

  Sure.

• 1:18:54Caleb Hammer?

  Okay.

• 1:18:55Speaker 04

  Yeah, um.

• 1:18:58Caleb Hammer?

  Oh, I'm just trying to trigger you and you DSA TikTokers are so easy to trigger. Come on, we're having fun. Stop being a little bitch. 500, 158 dollars in your checking account.

• 1:19:07Speaker 04

  Say again?

• 1:19:08Caleb Hammer?

  158 dollars in your checking account at the end of last statement. So here's our necessary to live and can't pay off student loans because I make too much money. Coffee, coffee, Amazon. Bullshit. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Classic breakup stuff. Uh, smoking, smoking.

• 1:19:28Caleb Hammer?

  Planet K?

• 1:19:29Speaker 04

  Yeah.

• 1:19:29Caleb Hammer?

  Gas, side gas?

• 1:19:32Speaker 04

  Some place on South somewhere. I don't remember. It's called Doobies, I think.

• 1:19:37Caleb Hammer?

  No, Planet K.

• 1:19:38Speaker 04

  Oh, those are incense for my apartment. They're not smoking weed.

• 1:19:41Caleb Hammer?

  Instead of paying student loans and thank you for, you're welcome for the millions I paid in taxes. To support your failed policies. And you're an example of failed policies. Uh, and Redline Syndicate, Amazon.

• 1:19:56Caleb Hammer?

  Saloon. Bullshit. Energy drinks. Chevron. Domino's.

• 1:20:02Caleb Hammer?

  Uh, bullshit. Taco Bell.

• 1:20:06Caleb Hammer?

  You know, this is, why, why did you and that woman come on the show to that politically debate? Because like, I'm not even trying to. I just, I'm so easy to get sucked into any rabbit hole. I am, I am too easy. I'm easy. You, you basically just me.

• 1:20:21Speaker 04

  What?

• 1:20:25Caleb Hammer?

  I don't know where I was going with that. I'm so easy. I'm so easy. Why did you do, why come on the show?

• 1:20:30Speaker 04

  Well.

• 1:20:30Caleb Hammer?

  This is financial audit. It's Jerry Springer. It's not finance debate hour.

• 1:20:35Speaker 04

  I know, I know. I think.

• 1:20:37Caleb Hammer?

  I'm not in the political sphere.

• 1:20:38Speaker 04

  I could really stand, something that we didn't even really touch on yet is, is this idea that most people have where, oh, I mean, people on the right tend to equate democratic socialism to. No, no, no, I'm making a general.

• 1:20:51Caleb Hammer?

  Literally, I took political assessments.

• 1:20:53Speaker 04

  You asked me a question, I'm trying to explain. A misconception that I would like to

• 1:21:01Speaker 04

  address, and I think this is a good reason why that I decided to come on the show, was, you know, I'm trying to explain that, you know, democratic socialism is not the same as communism. Like, they have socialist ideologies.

• 1:21:14Caleb Hammer?

  Yeah, it's not the same.

• 1:21:15Speaker 04

  They're not the same thing, right?

• 1:21:17Caleb Hammer?

  You don't want the state to run everything.

• 1:21:19Speaker 04

  No, no, no, no. And I think, I think we're not abolishing private property or labor or free markets.

• 1:21:24Caleb Hammer?

  Some people want to. That isn't the DSA, that isn't the DSA permission.

• 1:21:28Speaker 04

  I understand, but that's not what I stand for. And that's not, that's not.

• 1:21:32Caleb Hammer?

  But it is what the DSA stands for on their website.

• 1:21:34Speaker 04

  I understand. My point is,

• 1:21:39Speaker 04

  all, really, the only, the only change that I want to see through, through democratic socialism is policies for the working class individual. That is, that is what I'm after. I like subsidized childcare and healthcare. Not, not free, subsidized childcare and healthcare. I think.

• 1:21:56Caleb Hammer?

  No, we already do, though. Low-income people, they already do. Okay, sorry, go on.

• 1:22:03Speaker 04

  I don't think, I mean, I can't really speak on, on state-run grocery stores because I've never seen one. We don't have one in New York yet, but I do, I do think it is a better idea.

• 1:22:10Caleb Hammer?

  The blue hair brought it up.

• 1:22:11Speaker 04

  I understand.

• 1:22:11Caleb Hammer?

  In what state? Kansas. She was like, ooh, it did, no, it failed.

• 1:22:14Speaker 04

  I, I understand, I understand. I, I, I do though, I do though think that lowering the barrier of income for basic necessities such as food and stuff across the board is better than just giving people money, right?

• 1:22:25Caleb Hammer?

  Yeah, but you know, as a percentage of people's budget, getting groceries is smaller than ever in human history.

• 1:22:31Speaker 04

  All right, yeah, yeah.

• 1:22:31Caleb Hammer?

  That's better. That's progress. That's capitalism. That's real results.

• 1:22:34Speaker 04

  Budgeting is.

• 1:22:35Caleb Hammer?

  That's real results, though, instead of performative.

• 1:22:38Speaker 04

  Point is, the variables of these, of these, the equation that it takes to make your finances work in the United States has, has been rigged against the individual for the last, almost 20 years.

• 1:22:49Caleb Hammer?

  Majority live good lives here. Vast majority. But we're complacent. The better society gets, the more complacent we get. That is a reality. It's not perfect for everyone, but we live better than any other humans in human history.

• 1:23:00Speaker 04

  I'm just saying it could be better.

• 1:23:02Caleb Hammer?

  It can always be better, but your policies weren't an extra result today. Your policies are performative. Your morals are backed on nothing. Your morals are weak. They're cheap.

• 1:23:10Speaker 04

  I don't understand. How, how could you say that?

• 1:23:12Caleb Hammer?

  Because all that matters is actually the end result, not what feels good to advocate for. The end result of the policies you advocate for, you don't know the data, you don't know what happens in the end. All that matters in people's lives is what actually happens in the end.

• 1:23:24Speaker 04

  So instead of taking this money, all of this money that we're taking from taxpayers and putting it towards, and, and let's say even if we don't, even if we don't increase taxes for millionaires, even, even if that wasn't the case, instead of taking this money that we're collecting from every taxpayer in the United States and putting it towards things that would make their lives better.

• 1:23:44Caleb Hammer?

  Instead of?

• 1:23:45Speaker 04

  Instead of placating the 1%.

• 1:23:47Caleb Hammer?

  Well, how do we do that in the taxes that we do right now? And, and the spending that the federal government does?

• 1:23:52Speaker 04

  You do understand that in the first Trump administration, he gave basically the largest tax break.

• 1:23:56Caleb Hammer?

  That's tax cuts? You're talking about spending. What spending placates to the 1%?

• 1:24:01Speaker 04

  I don't know about spending.

• 1:24:03Caleb Hammer?

  You said spending.

• 1:24:03Speaker 04

  My point is.

• 1:24:04Caleb Hammer?

  You said all the money we collect and then disperse. How does it placate to the 1%? It should go to the people instead of, instead of what?

• 1:24:14Caleb Hammer?

  Military, that's like 10% of our spending. 10%, 20% maybe?

• 1:24:19Speaker 04

  My point is, my point is that.

• 1:24:21Caleb Hammer?

  The payments on our interest of debt because of your kind of social spending is actually now higher than the military budget. Our social spending is over 50% of the federal budget. Medicare and Medicaid, Social Security, mandatory spending.

• 1:24:35Speaker 04

  Is that, is that still the case after the big beautiful bill?

• 1:24:38Caleb Hammer?

  Yes.

• 1:24:39Speaker 04

  Okay.

• 1:24:39Caleb Hammer?

  Substantially.

• 1:24:42Speaker 04

  I don't understand how we kick over half the people that were on Medicare and Medicaid off of Medicare and Medicaid, and then that's still the case. Oh, here we go. A lot of that tax money, we just had a huge bill passed that was going towards funding ICE in Minnesota and elsewhere.

• 1:24:59Caleb Hammer?

  It was still pretty pennies on the dollar for the federal government, but yeah, it was a lot of money.

• 1:25:03Speaker 04

  My, my entire point is, I, I think, I think the money could be better spent elsewhere, is my, is my point.

• 1:25:10Caleb Hammer?

  I mean, we already spent majority on social. You know, we just had our, we clocked in our highest number in the history of the United States of people out of the workforce, not looking for any work, not looking for any schooling or anything ever. It's because they can just live off social programs. That's not a good thing. That doesn't push society forward.

• 1:25:30Speaker 04

  I think, I think this whole welfare queen argument is, is a bit overstated in any, in any, in any case.

• 1:25:36Caleb Hammer?

  Yeah, but shouldn't we take care of those that do abuse it?

• 1:25:38Speaker 04

  Say again?

• 1:25:39Caleb Hammer?

  Shouldn't we take care of those that do, shouldn't we go after those that do abuse it?

• 1:25:42Speaker 04

  Absolutely, we should.

• 1:25:43Caleb Hammer?

  Okay, then what, what are you talking about?

• 1:25:45Speaker 04

  You're, you're.

• 1:25:46Caleb Hammer?

  I'm not saying everyone does, but as the social welfare net does go increase, we know we just hit our peak of people that aren't educating themselves or trying to get into the workforce ever.

• 1:25:55Speaker 04

  I, I agree, I agree that, like.

• 1:25:58Caleb Hammer?

  We've seen, again, I know you made other examples, but the more they gave out in the UK was social council estates and whatnot, more and more people aren't contributing anything, and now their productivity's flatlined, even down. It's not good.

• 1:26:09Speaker 04

  Data that I do, that I, that I do, like, have some familiarity with the UK is asylum seekers receiving a bit too much, you know, as they enter the country.

• 1:26:19Caleb Hammer?

  Of Medicare, Medicaid, after the big beautiful bill, no higher than 10% were kicked off.

• 1:26:25Speaker 04

  How many people is 10%?

• 1:26:28Caleb Hammer?

  Of the 70 million people that are enrolled, 10% would be 7.

• 1:26:34Speaker 04

  Awful with math.

• 1:26:35Caleb Hammer?

  7 million. It's a lot of people, but you lied and said over 50%. That was, that was lie. That was you got your talking points, you're in your bubble, you don't know what you're talking about. Dude, we're almost at two hours. Here's Pete Terry's Panda Express, blah, blah, blah, blah, blah, blah, blah, blah, blah. I gotta go film that and eat my food and be happy. Tacos, smoking, talk about, you spend a lot of money on bullshit. You have no self-accountability, and unfortunately, you don't know what you're talking about. I think you would actually, if you really do care about people, I would focus on policies that actually have the.

• 1:27:32Caleb Hammer?

  Outcome that actually impacts people instead of those that just feel good to advocate for and make you to win.

• 1:27:36Speaker 04

  For instance?

• 1:27:38Caleb Hammer?

  Well, everything that we've done in capitalism has led to the largest reduction in poverty ever, has led to the smallest.

• 1:27:44Speaker 04

  A policy instead of just statistics?

• 1:27:47Caleb Hammer?

  Well, no, no, no. Policy in general, usually the policies I align with are ones that increase for more free market, more capitalism, because that has reduced the spending in people's budget.

• 1:27:57Speaker 04

  Give me an example of a policy that does that.

• 1:28:00Caleb Hammer?

  Yes. Okay.

• 1:28:01Speaker 04

  Because I don't have, I don't have statistics on, like, sweeping generalizations.

• 1:28:04Caleb Hammer?

  Well, I already did when it came to housing policies. I did that in this episode.

• 1:28:07Speaker 04

  We agree with that. We agree on that.

• 1:28:08Caleb Hammer?

  No income taxes in a state in city.

• 1:28:10Speaker 04

  I agree on that.

• 1:28:11Caleb Hammer?

  Taxes, no, you don't.

• 1:28:12Speaker 04

  No, actually, I don't. No.

• 1:28:14Caleb Hammer?

  Okay, so great. Okay.

• 1:28:16Speaker 04

  I mean, I benefit, I benefit.

• 1:28:18Caleb Hammer?

  They do very well.

• 1:28:18Speaker 04

  I benefit from a lack of income tax because I needed to keep as much money as I can because I make around $50,000 a year.

• 1:28:25Caleb Hammer?

  The money you make, your income taxes are almost nothing.

• 1:28:27Speaker 04

  That's my point. I benefit from that. But people who make six figures should not be benefiting from the same thing.

• 1:28:33Caleb Hammer?

  What? They pay way more in taxes?

• 1:28:34Speaker 04

  Yes, they do. They can afford to pay higher percentage on taxes.

• 1:28:37Caleb Hammer?

  Okay.

• 1:28:39Speaker 04

  They, they can afford to pay a lot more than where it is now.

• 1:28:42Caleb Hammer?

  Okay. I guess, um, do I make a budget for you? Dude, you barely allowed me to allow this to be a financial audit. What's your rent, actually? Because your minimum payment's like nothing.

• 1:28:55Speaker 04

  Like after, when internet and everything, it's like 2,200 bucks.

• 1:28:58Caleb Hammer?

  After all utilities and everything?

• 1:28:59Speaker 04

  Yeah, yeah, yeah.

• 1:28:59Caleb Hammer?

  Okay, groceries, you can do $300. With HUB, meal prepping, meal planning. TP fund, anything else you just survive. That's you and your tampons. $150 a month. That's me joking.

• 1:29:11Speaker 04

  No, I didn't. I, I didn't say anything.

• 1:29:12Caleb Hammer?

  It's a little joke, I know. You weren't offended for the first time in your life? That's progress. You're moving away from the extreme leftism freaks. Okay, subscriptions, I'll give you $50. You have any pets?

• 1:29:22Speaker 04

  I have two cats.

• 1:29:24Caleb Hammer?

  Of course you do. And that's $100 a month. Pet insurance. How much for cat food, cat litter?

• 1:29:31Speaker 04

  Hmm, maybe fifty bucks.

• 1:29:35Caleb Hammer?

  Okay, phone bill?

• 1:29:37Speaker 04

  A hundred and twenty dollars a month.

• 1:29:39Caleb Hammer?

  Gas, vroom, vroom, drive, drive. For your motorcycle, right?

• 1:29:42Speaker 04

  Yeah, that'd be about forty bucks a month.

• 1:29:47Caleb Hammer?

  Okay, bike insurance?

• 1:29:49Speaker 04

  Thirty dollars a month for liability.

• 1:29:52Caleb Hammer?

  You have any healthcare costs on a monthly basis? Copays, anything?

• 1:29:54Speaker 04

  Yeah, uh, it only happens once every three months, but I have to pay out of pocket for uh, chemo, so that's about three hundred dollars every...

• 1:30:03Caleb Hammer?

  Your asshole still has cancer?

• 1:30:05Speaker 04

  Oh, it's, it's adjuvant therapy. It keeps it from coming back.

• 1:30:07Caleb Hammer?

  That's good. How, how, how, how much again?

• 1:30:09Speaker 04

  It's three hundred dollars every six months.

• 1:30:11Caleb Hammer?

  Oh, every six, so fifty bucks?

• 1:30:13Speaker 04

  Fifty bucks a month, I guess.

• 1:30:14Caleb Hammer?

  Set aside for that. That's good. Keep that cancer away. Keep that cancer away, right? We don't like cancer, even on the most stupid among us. Cancer's bad, lives are important, we keep it up. And I'm glad that our capitalism has invented an incredible life-saving healthcare like that.

• 1:30:35Speaker 04

  We could talk about that if you'd like.

• 1:30:37Caleb Hammer?

  Nope, I'm actually ending the episode. So you need to survive three thousand two hundred seventy-four dollars. You make four thousand one hundred sixteen dollars and sixty-six cents, and you can go get a second job. Instead of going out all the time, maybe even make more, but either way, let's conservatively say eight hundred dollars is left on a monthly basis. Uh, I would pay off your bike in ten months, and then I would start negotiating on those questions before someone sues you. One at a time. Uh, you said you had money in savings, how much?

• 1:31:04Speaker 04

  About fifteen hundred bucks.

• 1:31:06Caleb Hammer?

  Well, that's definitely not good enough. So after you pay off your bike, I would get that up to, let's call it three thousand. That only takes, that only takes two months to do. And then negotiate your collection, small to large, just try to pay them half or get on a payment plan with them. Uh, or just hope you don't get sued, I don't know. And then after that, yes. You can live fifty, thirty, twenty, because at the point you'll have a better job, fifty percent on needs. This is Elizabeth Warren's plan, by the way. So you don't have to be offended. This isn't some, uh, centrist fascist plan.

• 1:31:36Caleb Hammer?

  Fifty percent on needs, thirty percent on wants. It's a lot of spending on beer and going out. Okay, and then twenty percent on investing to a low index, low-cost index fund, because you need to retire at some point. And a high-yield savings account is not going to get you there.

• 1:31:52Speaker 04

  Gotcha. Understood.

• 1:31:54Caleb Hammer?

  We're gonna talk about why someone shot his annoying ass last night. I don't think any of us are surprised, though, but let's get his hammer financial score first. Um, spending in a budget, you overspent, obviously, we went over that, and yet somehow you're justifying it, zero out of ten. Debt, you have collections, zero out of ten, emergency fund, you, okay, two out of ten there. Retirement, nothing, zero attending, only beliefs in high-yield savings rates, even though obviously that's only for an emergency fund or a short-term purchase.

• 1:32:15Speaker 04

  I'm just uneducated, that's all.

• 1:32:17Caleb Hammer?

  On anything we've established, real estate, zero out of ten, yet for some reason you still try to talk about shit. Hammer Financial Score, point five out of ten, get yours at CalebHammer.com, join Hammer Elite, that evil capitalist subscription, where we actually provide value back. It's weird how that works, where you get to choose the market rate, and then we provide value for it, and we provide more than enough value with three premium shows every single day, six days a week. It's more than anyone else does. It's incredible. Check it out. Click that link in the below, or the join button, or the Hammer Elite app, or HammerElite.com. Nope, see you in the post-show, and you can hear what he has to say, because you're so interested. Huh?

• 1:32:53Speaker 04

  Stay black, stay gay, stay Jewish.

• 1:32:55Caleb Hammer?

  Jewish?

• 1:32:56Speaker 04

  Yeah, I mean, it's like for everybody, not just you.

• 1:32:58Caleb Hammer?

  Stay black, stay gay, stay Jewish. I was almost one of those ones. And people think I'm Jewish, but nobody thinks I'm black, but I still say it. See you in the post-show. I don't say it. Why were you shot last night, by the way?

• 1:33:10Speaker 04

  I'm gonna [bleep] kill you, I'm gonna shoot you in the face, rah rah rah rah. He jumps back in his car, he pulls a gun out of the glove box.

• 1:33:16Caleb Hammer?

  Just a [bleep] mess.

• 1:33:17Speaker 04

  And he grabs my phone and he smashes it, and, and I had to go like replace it yesterday, and, uh, he shoots at my [bleep]. I, I'll be honest, I thought his gun was fake, but like it was [bleep] tiny, so I was like, whatever.

• 1:33:29Caleb Hammer?

  Gun was fake in Texas, brother?

• 1:33:30Speaker 04

  Yeah, yeah, yeah. He kept on telling me he was gonna [bleep] kill me or whatever.

• 1:33:33Caleb Hammer?

  I just launched the brand-new Hammer Elite app, available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out.

• 1:34:16Caleb Hammer?

  Go to CalebHammer.com/apply or click that link in the description below.